If the housing loan (including the first-hand building and the second-hand building)/down payment ratio is handled through our bank, the provisions are as follows:
1. For the first suite, the minimum ratio is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction")
2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation.
If you buy a house with the housing provident fund, for example, if you have a house of 800,000 yuan and a down payment of 300,000 yuan, can you borrow 500,000 yuan from the bank?
Use the provident fund to buy a house; For example, 800,000 yuan to buy a house, 300,000 yuan down payment, and more than 300,000 yuan to borrow one person. Can only use provident fund portfolio loans. 500,000 are dual-employee families; You can get all the loans. Therefore, the 500,000 provident fund still depends on the number of people.
How much can I borrow for a house mortgage worth 800 thousand?
It mainly depends on the appraised price of your house. The amount of mortgage loan is 70% of the appraised value of the house. If you need a loan, I recommend you to apply to Easy Loan China-you only need to submit the application online, and the financial planner in Easy Loan China will analyze your loan demand and information, and then choose the appropriate bank in your location to get in touch with you.
1. Application materials for real estate mortgage loan: 1. Property ownership certificate II. Identity cards of obligee and spouse. Household register of obligee and spouse. Marriage certificate of obligee (marriage certificate or unmarried certificate issued by Civil Affairs Bureau) 5. Proof of income 6. If the property owner has minor children, please provide birth certificate 7. If the property has a bank loan, please provide the original loan contract and the latest bank check.
2. What's the interest on the house mortgage?
At present, bank housing mortgage loans are divided into self-owned property and mortgage property mortgage loans, and the interest rates of the two loans are different. The interest rate of mortgage loan is usually higher than that of self-owned property. Next, let's take China Merchants Bank and China Bank as examples to make a mortgage comparison:
(1). If you choose to handle the mortgage bank loan business at China Merchants Bank, the loan purpose is also limited, and you can only buy a house, a car and operate. The loan amount is based on 70% of the appraisal price given by the housing appraisal agency. If your money is used for car purchase and production, the loan period is generally 3 years. If you buy a house, the sum of the loan period and the age of the house cannot exceed 30 years.
(2) The mortgage loan of China Bank is only for houses with an area of more than 85 square meters and an age of less than 15. The loan amount is closely related to the age of the house. Loans for 5 to 10 years are 50% of the appraisal price, and the loan interest rate is the benchmark interest rate of the central bank for the same period. Take the loan from 10 as an example, and the interest rate is 7.83%.
If the house price is 8 million, can I make a down payment of 4 million and get a loan of 4 million?
A mortgage of 8 million, a down payment of 4 million and a loan of 4 million are certainly possible. As long as you have the repayment ability and use the real estate license as collateral, you can apply for 4 million commercial loans in the bank.
8 million house, can the down payment be 30%, and how much can the loan be borrowed?
Now the loan down payment ratio has been adjusted. If you buy a house of 8 million yuan, you should also borrow money according to the situation of the house. If the house is an ordinary house, you can borrow 65% and make a down payment of 35%. If the house is an ordinary house, you can borrow 60% and make a down payment of 40%. However, all loans are issued at the assessed price, not at the total house price. If you want to borrow it, it will be 800× 0.85× 0.