1. Article 5 of the Measures for the Administration of Mortgage Loans stipulates that the maximum loan amount is 70% of the house appraisal. Generally speaking, the amount of mortgage loan is different for different mortgaged properties. Usually, the mortgage of commercial housing can reach 70%, that of shops and office buildings can reach 60%, and that of industrial plants can reach 50%.
The real estate license is a mortgage loan. Although it can be used for loans, if you want to apply for loans through the real estate license, you must obtain the consent of the holder and * * *, which will be handled jointly by * * *. In addition to the value of the house, the loan amount is also related to your repayment ability and credit history. The bank decides the loan amount according to your repayment ability.
Second, before determining the mortgage loan amount, we must first evaluate the housing price. This appraisal is carried out by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, old and new degree, etc. After obtaining the evaluation price, the bank will generally make a 70% mortgage according to the evaluation price, that is, the maximum loan amount of your home is 70%.
Third, there are many factors that affect the appraisal value of houses. Banks pay more attention to the age of the house. For example, China Bank stipulates that 70% of the appraisal value is less than 3 years, 60% is less than 3-5 years, 50% is less than 5- 10 years, and 40% is less than 10- 15 years.
2. How much can China Merchants Bank's real estate license be mortgaged?
Property mortgage requirements: banks accept commercial houses and commercial houses with clear property rights and strong liquidity as collateral. Tips: The following conditions must be met: ① The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans do not accept collateral from different places. (2) Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral; (3) The property right has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no unfavorable liquidation situations such as property right disputes; (4) Strong liquidity, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without problems and defects, which are not within the scope of government planning; ⑤ If the collateral is commercial housing, the average house age/credit period plus house age shall not exceed 40 years in principle; Collateral is commercial housing. In principle, the loan/credit term plus house age shall not exceed 30 years. Purchase commercial housing for more than 6 months as collateral; Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.
3. How much can China Merchants Bank's real estate license be mortgaged?
50% to 60% of the first mortgage property valuation is generally recognized as 50%, and the second mortgage rarely accounts for 20% of the house price.
4. Which bank is good for mortgage loan?
Generally, large banks have mortgage loans with real estate licenses, such as China Bank, China Construction Bank, Industrial and Commercial Bank, China Merchants Bank and Bank of Communications.
Moreover, these banks have similar requirements for mortgage loans with real estate licenses, requiring lenders to have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of loans on schedule; No illegal acts and bad credit records; It can provide effective pledge guarantee of rights recognized by banks or can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability.