The amount of real estate mortgage loan is related to the bank applying for the loan, and the loan amount stipulated by different banks is different. Generally speaking, the maximum does not exceed 80% of the house valuation. If the house is appraised at 500,000 yuan, the maximum loan amount applied is 500,000 * 0.8 = 400,000 yuan.

In addition, the loan amount is also related to the applicant's own economic strength, repayment ability and housing age.

If the housing age is short and the overall quality of the borrower is good, then the loan amount applied for will be higher.

Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. The purpose is to solve the borrower's temporary consumption or business needs. The loan amount is less than 500,000 yuan, and the loan period is generally 1 year, and the longest is not more than 3 years.

So, what are the precautions for applying for personal credit loans? There are mainly the following four points:

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The applicant's credit record in the bank account should be good, and bad behaviors such as overdraft and refusal to pay should be avoided. People with good personal credit records are usually more likely to pass the audit. If the borrower's personal credit has an overdue record, it is likely to be rejected by the bank or lending institution.

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The debt ratio represents your repayment ability. The higher the debt ratio, the weaker your repayment ability. When applying for a personal loan from a bank, the bank is likely to reject your loan application for the sake of financial security.

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A stable job means repayment ability. The general standard of a bank is that an applicant must have a stable job and a reliable income to repay the loan. People with stable jobs have an advantage in applying for loans.

4. Rational use of loans

There are certain restrictions on the use of personal credit loans. Generally speaking, credit loans are used for consumption, so applicants need to provide relevant consumption vouchers when submitting credit loan applications to banks. For example, the upgrade loan of Suning Bank can only be used for personal or family decoration, car purchase, travel, study abroad, wedding and other legitimate consumer needs. Credit loans are strictly prohibited from entering the stock market and cannot be used as a down payment for buying a house.