1. Commercial loans for second-hand houses are related to the actual transaction price, construction year and personal income. A general loan can be 70% of the assessed price. If the house is not built long, it can generally be about 60% of the actual transaction price. If the transaction price is 500 thousand, it can be about 300 thousand (excluding additional tax)
2. At the same time, the loan amount is also limited by the loan term and personal income. The bank requires that the monthly repayment should not exceed 50% of the income. In other words, if your income certificate proves that your monthly income is 3,500 yuan, then the monthly repayment needs to be controlled within 1.750 yuan/month. And according to this standard, determine your loan term and loan amount.
If you are not very old and your income is stable, you should be able to get a normal loan according to the conditions you mentioned. If you borrow 250,000 yuan to buy a 500,000-yuan property, the monthly repayment will be about 1.750 yuan/month for 20 years.
Second, 20 16 second-hand housing loan is 350,000 yuan, 20 years. How much is the mortgage for a month?
The loan principal is 350,000 yuan, with a term of 20 years. According to the benchmark annual interest rate of the People's Bank of China for loans of more than five years (unchanged), the repayment method of principal and interest is equal, and the monthly payment is 2290.55 yuan.
I want to buy a second-hand house. How much can the provident fund loan borrow after 20 years?
Where is the house? Because standards vary from place to place. Generally speaking, second-hand houses with a house age of more than 15 years cannot be loaned from the provident fund. Commercial loans are possible, but there will be certain restrictions because of the age of your house.
4. How much can I borrow from a second-hand house loan? The maximum value does not exceed this number.
In loan transactions, many people will choose mortgage loans. The advantages of mortgage loan are high loanable amount, low interest rate and long loanable time. In particular, using a house as a mortgage can generally lend hundreds of thousands. How much can I borrow from a second-hand house loan? The maximum does not exceed this number!
How much can I borrow from a second-hand house loan? The loan amount that a second-hand house can apply for is not fixed, and it will be linked to many factors, such as the loan method, the housing area, the actual transaction price of the property, the year when the house was built, and the income of the lender. Under normal circumstances, if the purchased second-hand house is older than 15, the bank will refuse to lend, but if it is a second-hand house with a younger age, it can lend 60% of the actual transaction price of the property. Different types of second-hand housing loans are also different: residential, the maximum loan amount can reach 70%-80% of the evaluation price; For apartments, the maximum loan amount shall not exceed 60% of the assessed price; For villa houses, the maximum loan amount shall not exceed 70% of the appraised price, and for commercial houses, the maximum loan amount shall not exceed 60% of the appraised price. In addition, the bank's regulations on the age of second-hand houses are generally within 20-25 years. For older properties, even if they can apply for loans, banks will reduce the borrower's loan ratio. The threshold for most bank loans is less than 20 years old and an area of more than 60 square meters. For high-quality school districts, it can be appropriately relaxed to less than 25 years. The older the house, the harder it is to get a loan. If the time limit stipulated by the bank is exceeded, the borrower can only purchase the property in full. The real estate itself can be traded, and the older the house, it will only affect the borrower's handling of loans. The above is the sharing of "How much can a second-hand house loan borrow?" I hope it will help everyone!