Can I get a loan if I want to take out a house mortgage? Because if the house is used as a mortgage, some specific procedures are required. So can I get a loan with a house mortgage? What are the conditions for a mortgage loan? The editor will tell you the relevant content below so that everyone can have a good understanding and reference for these home mortgage loans. The following will introduce the relevant content in detail to let everyone know some common sense about home mortgages.

Can I get a mortgage loan?

1. If a commercial building is used as a mortgage, the credit period is 5 years long, and it must meet the usage age of the commercial building + the credit period of 30 years. If a house is used as a mortgage, the credit period is 30 years, and the following conditions must be met.

2. If the borrower's age + credit period is 60 years, and meets the "double-excellent" personal customer standards specified in the "Relevant Provisions on the Simplified Credit Rating of Individual Customers of Industrial Units" issued by our bank, the loan will be Age of the person + credit period.

3. The useful life of the house + the credit period is 40. On this basis, the credit period is comprehensively determined based on the liquidity of the collateral and the borrower's repayment ability.

What are the conditions for a mortgage loan?

1. Aged 18-55 years old (some small loan institutions can accept children or the elderly); the general house mortgage loan limit is 50-70% of the property’s appraised price (some banks may have increase); the term of home mortgage loans is generally 1 to 10 years (a few banks can extend the term to customers to 30 years, but the borrower cannot exceed 60 years old after the loan ends).

2. The age of the house is within 20 years (a few banks can do it within 30 years, and most have spare houses, which is easier to approve); the loan interest rate for mortgage loans is generally 10%-20% higher than the base interest; there is a certain amount of repayment The source of the loan (valid proof is mainly bank flow, at least the effective monthly income is greater than 2 times the monthly repayment of the housing mortgage loan); the individual or company has good credit (the overdue amount should be less, otherwise the bank may find excuses to add interest or not approve the loan) ).

3. Currently, the types of properties accepted by banks include commercial housing, housing, shops, mortgaged housing, second mortgage loans, serviced apartments, office buildings, etc., and other material certificates (provide more asset certificates. Apply for more). For real estate mortgage loans, personal repayment ability is an important factor, so if you can provide asset certificates similar to other properties, vehicles, securities, companies, etc., you can greatly increase the bank's real estate mortgage loan limit.

< p>The above content introduces the question of whether a house mortgage can be borrowed. In fact, a house mortgage can be loaned, but the amount and period of the loan are limited, so interest needs to be paid during the loan period. These contents are required Understood. What are the conditions for a mortgage loan? You need to know the term of the loan, as well as some certificates and procedures required for the loan. These are some of the conditions for a mortgage loan.