The mortgage policy of most banks is that the maximum loan amount is 70% of the market appraisal value of the collateral. Under special circumstances, the lowest is 50% and the highest is 110% (super value offset).

It also depends on the qualifications of the borrower, the purpose of the loan, the nature of the property, the location and structure of the property, etc.

Borrowers with good credit records, stable careers, and sufficient income and cash flow can generally be matched with a credit loan of around 20 RMB. If there are flaws in the borrower's credit report (overdue records, multiple recent hard inquiries, lawsuits, tax arrears, etc.), it is unlikely to apply for a credit loan and can only apply for a mortgage or guaranteed loan.

The purpose of borrowing must comply with credit policies and regulatory regulations, and be used for production and operation loans to supplement working capital, or personal consumption loans to renovate houses, etc. If there is no clear purpose for borrowing, or if it is used for house purchase, etc., it violates regulatory regulations. In a situation where the house is for living and not for speculation, you can’t get a single loan.

If it is used for equity investment, such as a loan for stock trading, a loan to buy a fund, a loan to buy financial management, a loan to buy a company, a loan to start a business, a loan to repay other loans or borrowings, etc., it is all If it does not comply with the credit policy, the bank will not approve it at all.

The loan amount mentioned above assumes that the property is a residential property with complete certificates. If it is a shop, or real estate on industrial land, or real estate on allocated land, many banks will not accept it directly. Yes, they will not accept mortgages for shops. Don’t call him a pervert, because shops are really difficult to deal with and are hot to hold in your hands. .

When applying for a loan with real estate mortgage, banks have many restrictive regulations on mortgage housing. Although some of them are not written in the credit policy, everyone has agreed to do so. For example, the location of the house requires convenient transportation, a mature community, and complete supporting facilities; the house transaction market is active, which means that if something goes wrong one day, the house can be sold quickly. In contrast, the house is located The land is an "enclave", or it is inconvenient to reach the site; the structure of the house has changed (different from what is recorded on the real estate registration certificate), or the floor of the house is not good (top floor, bottom floor, higher or lower floor, etc.), which will affect the disposal Performance, willful banks may not accept it.