Real estate loan The house is now worth 300,000 yuan, and the appraised price is 450,000 yuan. The specific loan amount should be considered in combination with the property type and the bank loan multiplier. The average bank multiplier for residential loans is 70%, and that for commercial loans is 60%.

1. If the house is a house, the loan amount is 45*0.7=3 1.5 million;

2. If it is a commercial house, the loan amount is 45 * 0.6 = 270,000.

The above is the general practice. It is not excluded that some banks offer different multipliers, and the ratio may not be so high. Generally speaking, it is the ratio provided by the bank multiplied by the evaluation price.