1. Article 5 of the Measures for the Administration of Mortgage Loans stipulates? The loan amount is at most 70% of the house valuation. The real estate license loan is a mortgage loan. Although you can apply for a loan, if you want to apply for a loan through the real estate license, you must obtain the consent of the holder and the owner and handle it together. In addition to the value of the house, the loan amount is also closely 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 house 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. With the appraisal price, banks will generally mortgage 70% of the appraisal value, that is, you can borrow up to 70% of the house value.

Third, there are many factors that affect the appraisal value of houses. Banks pay more attention to the age of the house. For example, the Bank of China stipulates that 70% of the appraised value is less than 3 years, 60% is within 3 to 5 years, 50% is within 5 to 10 years, and 40% is within 10 to 15 years.

Extended data

Notes on mortgage loan

I. Housing requirements

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

Two. Requirements of the lender

China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

procedure

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).