First of all, let's evaluate it. The appraised value is 20% off, and then the money brought out by the loan is 50% to 70% of the appraised value. For example, your house is now on the market for 500 thousand pounds. It is estimated to be around 400,000, and the loan can be brought to 200,000-300,000. Interest depends on your personal credit history.

Second, the mortgage loan of real estate warrants is 250,000 yuan, and the consumer loan is 6%. How much is it to pay back every month?

Well, first of all, you need to know how many years your loan term is, before you can determine how much principal and interest you have to repay each month on average.

Third, how much can the real estate license mortgage loan borrow?

Before determining the amount of mortgage loan, we should evaluate the house price. This appraisal is conducted by a professional appraisal company. There are many factors that affect the evaluation value, such as location, age, area, freshness and so on. With the appraisal price, the bank will generally mortgage 70% of the appraisal value, that is, your maximum loan amount is 70% of the house value. 1. According to the national laws and local policies, only those who purchase houses can apply for normal mortgage loans. This project, basically don't ask you, because the developer has arranged someone to help you do it, as long as you know the interest rate and monthly repayment amount. Real estate mortgage loan is a good loan method. The loan interest rate is generally the benchmark interest rate, and the repayment pressure is relatively small. 2. After getting the real estate license, I'm still going to take out a loan because of the shortage of funds. First of all, we should consider loans from regular banks. Although the procedures are complicated, the interest rate and legal risk are relatively low. But who has a problem with money? It is recommended to choose bank loans and mortgage loans from ordinary banks because these loans have a lot of information and complicated procedures. As long as you are not discouraged, you can still succeed. 3. Seek help from urban and rural commercial banks. The threshold of several large state-owned banks is relatively high, but there are always several local city commercial banks or rural credit cooperatives, and their threshold is relatively low. It's not that their risk awareness is not strong, but that in this economic society, everyone is trying to make money, not to mention being a first-class legal person. Maybe the interest rate will be higher. Under normal circumstances, the monthly interest rate will not exceed one percentage point. 4. For private financial institutions, housing mortgage loan is also a good business, and the risk is also reduced. It can be said that it can make a steady profit. They are mortgaged by banks or trust funds and real estate. It solves the policy problems of banks and provides profit channels for banks. This kind of loan is also faster, because they have enough contacts and credit in the bank, but the interest rate is higher. Mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or is guaranteed by a third party and bears joint liability. It is a triangular relationship with housing sales contract, housing mortgage contract and housing mortgage loan contract as the link. Mortgage loan of real estate license actually refers to all kinds of commercial houses that customers already have that can be listed and circulated and mortgaged to banks for loans. It is different from second-hand housing loans and first-hand housing loans, because the customer already owns the property, not about to own it. Housing mortgage loans need to be clearly used and shall not be used for purposes explicitly prohibited by laws and regulations. For example, real estate speculation and stock speculation are not allowed. It is stipulated that housing mortgage loans should be earmarked for special purposes, and banks should accept the supervision of lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.

Fourth, how much can a person generally borrow from the real estate license?

See how much your property is worth. The mortgage loan amount of real estate license depends on the value evaluation of real estate license, which is lower than the market price of real estate license.

Generally speaking, the appraisal value of real estate license is influenced by the use time, market value, location, property right type, liquidity and other factors. The mortgage loan ratio of real estate license shall not exceed 70% of the appraised value of real estate license.

However, depending on the type of real estate, high loan ratio also has an impact. For example, the proportion of personal commercial housing mortgage loans is high, at 70%. The proportion of mortgage loans for office buildings and shops is only 60%; The proportion of factory mortgage loan is only 50%. The term of new house mortgage loan shall not exceed 30 years, and the term of second-hand house mortgage loan shall not exceed 20 years. At the same time, the following types of real estate licenses cannot be mortgaged:

1. Housing with an area of less than 30 square meters and a room age of more than 20 years;

2. Affordable housing that has not been used for five years;

3. Small property houses are recognized by housing management;

4. Some bought public houses.

If it is a new house mortgage, the long-term loan period cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure.

When making loans, we should be clear about these issues:

1. Mortgage loan of real estate license begins with mortgage loan of real estate license. Mortgage loan of real estate license refers to a credit method in which a borrower applies for a loan from a bank with his own or a third party's property as collateral for comprehensive consumption such as car purchase and house purchase, and the borrower repays the principal and interest to the bank in installments or at one time.

2. Loan conditions: a natural person who has reached the age of 18-60, has full capacity for civil conduct, has a long-term and stable income source and is sufficient to pay the monthly loan principal and interest; The property right of the real estate license should be clear, without any other mortgage; The age of the house plus the loan period shall not exceed 40 years; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.

Information to be provided by the borrower:

1, ID card, household registration book;

2. Personal income certificate (stamped with the official seal of the unit);

3. A copy of the business license of the unit (with official seal);

4. Marriage certificate, borrower's spouse ID card and household registration book;

5. The original and photocopy of the house ownership certificate and the original purchase agreement;

6. The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use;

7 other conditions stipulated by the bank, depending on the actual situation;