You also need to borrow from 15000 to 2 10000 according to your repayment ability. Generally, the valuation is about 60% off, not more than 30% off. 1, generally speaking, if it is a 70-year-old house, it can generally be loaned to about 200,000 yuan if it is in the central area of the city, to about16-180,000 yuan if it is a commercial house with 40-50 years of property rights, and the maximum loan can be1. A 2.3 million house, if mortgaged, can probably get 1.6 million. The specific interest depends on the loan period and personal credit information. Whether you can get a loan depends on the specific situation of your house. Whether you can get a loan depends on the specific situation of the house. Generally, the down payment for buying a house is 30% of the total house price, which is 90,000 yuan. If a commercial loan is obtained, the loan interest rate is 6. 15%. Housing mortgage loan Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan and legally obtain the lien and pledge of the borrower's property through a certain contract. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans when granting housing loans to individual residents.

Second, the market price of existing homes is about 350,000. How much can I borrow from the bank? How much discount?

Bank mortgage loans are generally 70% of the assessed price, but banks; If the appraisal price is set at 300,000 yuan, the loan can be about 2 1 1,000 yuan.

When applying for housing mortgage loan, it should be clear that entering the real estate market in line with state regulations will not make any other mortgage; The house age (calculated from the date of completion of the house) shall not exceed 40 years; The mortgaged house is not included in the local urban transformation plan, and there is a certificate from the real estate department and land management; If the owner of the mortgaged property can be used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, requiring the mortgagor, his spouse or other property to be owned by him.

The required information is:

(1) Property mortgage;

(2) the house ownership certificate;

(3) Printed land use certificate (original inspection);

(4) A real estate appraisal report issued by a qualified appraisal agency;

(5) Bank loan contract;

(6) Couple's certificate (original inspection), and the single person shall register with the household registration authority.

Three, the existing house, the market price is about 350 thousand, how much can I borrow from the bank? How much discount?

Bank mortgage loan is generally 70% of the evaluation price, but the evaluation price of the bank will be lower than the market price; If the appraisal price is set at 300,000 yuan, the loan can be about 2 1 1,000 yuan. When applying for housing mortgage loan, we need to pay attention to: the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and you can enter the real estate market without any other mortgage; The house age (calculated from the date of completion of the house) shall not exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it. The required materials are: (1) real estate mortgage contract (signed by both husband and wife); (2) the house ownership certificate; (3) Copy of land use right certificate (original inspection); (4) A real estate appraisal report issued by a qualified appraisal agency; (5) Bank loan contract; (6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.

4. How much can an existing house be mortgaged to the bank, and the market price is about 350,000? How much discount?

Mortgage this suite to the bank, you can get a loan of 20W. According to your personal credibility in the bank, repayment ability, work unit and other reasons, the maximum ceiling does not exceed 25W.

When the house is mortgaged, the bank will let the appraisal company evaluate your house. There are many bases for evaluation. The general evaluation result is lower than the market value, but there is no big difference. Generally, the discount is around 30%. Due to many conditions during the evaluation, sometimes the discount is even less than 30%. Therefore, the loan amount is the evaluation price multiplied by the discount equal to the loan amount you want.

There is a discount because you are afraid that you will not repay the loan for a while, so when you auction this house, there will be a price difference, which is the interest of the bank. As long as it is a mortgage loan, the bank will make a profit for free.

I hope the above can help you.