Mortgaging a property depends not on how many years your house is, but on the current market value. First, you need to find a housing appraisal agency to evaluate the price for you, and then you need to find a bank mortgage loan. The general loan amount is about 60% of the house price. If you want to buy a new house, you can't use your parents' names, because the maximum age of a loan seems to be 60, just like you are 35 this year, and then you must repay it for up to 25 years before you are 60. If you want to use the old house as collateral. According to the general law, the land life of a house is estimated to be 70 years. After 70 years, the land will be nationalized, but you can also buy it at the market price. According to your problem analysis, you can borrow up to 200,000 yuan, and it is in your name. Generally, the new house can be used for 30 years, and the old house can be borrowed for 65,438+00 years. Who knows? If you borrow in the name of your father, it will take up to one year, and it is a commercial loan, so you can't use the provident fund.

2. Proof of real estate in different places. Can I apply for a mortgage loan at a local bank in Guangzhou?

I don't think we can put.

Because of the law, real estate can only be mortgaged at the local housing authority. If it is a real estate in a different place, the local bank in Guangzhou lends money to the borrower. Once the borrower cannot repay the loan, it will be very troublesome for the local bank in Guangzhou to dispose of the real estate.

In this case, the account manager of the bank credit department generally does not lend money to the borrower.

3. What is the maximum loan for a 6,543,800+2,000 house in Guangzhou? If these loans are paid off in 15, how much will they be paid each month?

Under normal circumstances, you can get 70% of the loan, but it depends on the evaluation of 5%. 10 The longest monthly supply is 1200.7 = 1 8.

Iv.1.20,000 house loan?

Calculate how much it will cost to decorate your home. Because the amount of buying a house is an amount that cannot be underestimated, for those owners who are unable to pay the house price in one lump sum, loan is the best way at present. Then, how much can a house with a price of 1.2 million be loaned? What should I pay attention to in housing loan? Let's explore together!

1.1.20 thousand house, how much can I borrow?

1. If you buy a new house, and it is the first time to buy a house, which belongs to the type of commercial loan, then the minimum down payment is 30% of the house price, which is 360,000. It can be seen that a house with a price of 6.5438+0.2 million can borrow 840,000 yuan, which must be paid off within 30 years. The main factors affecting the change of loan amount are different down payment ratio, different loan years and different loan methods.

In addition, whether you choose commercial loans or provident fund loans, the down payment is essential, and the rest of the money can be applied for loans. Moreover, the loan must have a purchase contract and a down payment certificate before it can be implemented. In addition, it should be noted that your down payment cannot be paid by the provident fund.

Second, what should I pay attention to in housing loans?

1. Apply for a mortgage according to your ability.

Many owners feel that the bigger the loan, the better when buying a house, but this is not the case. Because even if you borrow a lot of money, you have to pay it back in the future, and you have to pay some interest. If you borrow for a longer period of time, the amount of the loan will be larger, and the interest paid on the loan will continue to increase, which will eventually lead to an increase in your repayment pressure.

Provide true information

If you provide false materials to the bank when buying a house, it will cause irreparable consequences. Even if the bank re-examines, it will not give you a loan, so you can't realize your dream of living; What's more, because the materials you provide are untrue, the loan cannot be successfully handled, and the developer will ask you to bear the responsibility for breach of the pre-sale contract of commercial housing, deliver the mortgage information overdue and pay the liquidated damages.

Editor's summary: The above gives you an introduction to how much you can borrow for a house of 1.2 million and what you should pay attention to in housing loan. I hope I can help you. If you need more information about housing loans, you can always lock our website!

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