Calculation formula of mortgage loan amount: loan amount = real estate appraisal value × loan-to-deposit ratio.
1, and the highest mortgage rate of commercial housing can reach 70%;
2. The mortgage rate of office buildings and shops can reach up to 60%;
3. The mortgage rate of industrial plants can reach up to 50%.
Application conditions:
1. China (excluding Hong Kong, Macao and Taiwan) citizens, salaried workers aged 18-65 years old, who have worked continuously in their current unit for more than six months (if less than six months, but the work content of this unit is the same as that of the previous unit, and the working years of the previous unit can be accumulated), and business personnel who have worked for more than one year.
2. There are no minors under the age of 18 and no adults over the age of 70 (including 70) among the owners of the mortgaged property.
3. If the house property is mortgaged for the second time, the first mortgagee of the house must be the bank.
4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).