In life, it is inevitable that you will encounter situations where you need money urgently. If you can't get the money at the moment, and the required funds gap is relatively large, you can choose to borrow from the bank. However, if you want to borrow a lot of money, the value of collateral can't be low, so real estate is the best collateral. Then, can you use a 200,000 house as a mortgage loan of 450,000? Let's take a look with Qijia. Com experts. \r\n 1。 Is the mortgage loan for a 200,000 house 450,000? \ r \ n200,000 houses and 450,000 houses cannot be loaned. When applying for a mortgage loan, a general house can only apply for an amount less than 70% of the house value, which means that the mortgage loan for a 200,000 house can only be 6.5438+0.4 million yuan at most, which is far from 450,000 yuan. \r\nSecond, what should you pay attention to in mortgage loan \r\n 1, and pay attention to your own credit record \ r \ nThere should be no other way to use the house as collateral for the loan, so banks should pay special attention to the borrower's credit record when approving mortgage loan. If the borrower has a good reputation, the approval is relatively simple, and if there are many bad credit records. \r\n2。 See if the mortgaged property is liquid \ r \ Generally speaking, the property mortgaged to the bank must have certain value, that is, it must be liquid. If the value of the property is not high and cannot be realized, the bank will basically not pass the examination and approval. For example, the value of the property over 40 years old is not high, and there is basically no liquidity, or the dilapidated houses that are about to collapse will be mortgaged to the bank for loans. \r\n3. Is there sufficient repayment ability \ r \ nIn addition to personal credit and property value, the bank will also examine and approve whether the borrower has repayment ability, so the borrower needs to provide stable economic income, bank flow, etc. As proof material. If the repayment ability is not good, the application will be difficult to pass. \ r \ Editor's summary: The above is an introduction to the mortgage loan of 200,000 houses of 450,000 yuan. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com for consultation.

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