1. Mortgage loan needs to be evaluated according to your comprehensive qualifications, taking into account your income, debt, credit history, repayment ability, etc. High debt will affect the approval of loans, but the approval should be based on the actual results of the loan system. It is difficult to apply for most bank loans. This ratio is controlled within 70% of the debt ratio. If you get closer to this point, it usually decreases. The number of online loans is too high, and the premise for ordinary banks to pass customs clearance is the need to clear online loans. There are also some banks that have low requirements for liabilities, net loans and overdue issues. As long as the house is 25 years, you can apply.

Generally speaking, it is ok to apply for a loan, but the success rate may be low, but there is no solution. Indeed, if you buy a house with a loan, the debt may be too high, but if there are still mortgaged houses, you can take a second mortgage.

3. two mortgage also needs certain conditions, because banks generally don't accept two mortgage directly, so it needs the intervention of guarantee companies, which provide short-term dismantling services, pay off the balance with their own funds, and lift the mortgage of houses. After canceling the mortgage, you can re-apply for a housing mortgage loan, so that you can get a high mortgage loan.

If you have too much debt, the mortgage on your house may not mature. Whether a user can apply for a mortgage depends on the repayment ability of the applicant. If the main borrower has the repayment ability and can afford the loan business, he can apply for a mortgage loan. It should be noted that mortgages can take reasonable debts. If the debt is too high, it will still have a negative impact on housing mortgage loans.

How much can I borrow from the bank with a real estate license?

You can borrow about 70% of the appraised value of the house. For example, if your house is worth10 million, you can borrow up to 700,000 yuan. In fact, the loan amount is not only related to the appraised value of the house, but also closely related to your credit history and repayment ability. The specific loan amount is subject to bank regulations.