2. General real estate license can be used as collateral for mortgage loan.
3, if it is through bank loans. Meet the conditions for applying for a loan, find a guarantor, pass the application, and succeed in the examination, and you can get a loan. The loan amount can be determined according to the relevant loan regulations and system requirements, or directly consult the lender.
How many years of commercial loans are based on your total purchase price and the age income of the buyers.
1, generally speaking, the maximum loan amount for the first suite is 70%, and that for the second suite is 40%. According to the age of the borrower, the general age plus the loan period does not exceed 65 to 70. Generally, when you are 60-65 years old, you can't apply for a commercial loan. Generally, you can borrow up to 65,438+00 years after a five-year delay, but the exact amount you borrow depends on the bank's age and bank policy.
2. According to the latest regulations of the People's Bank of China, the maximum loan amount does not exceed 80% of the total house price or the appraised value of the house purchased. However, in the actual operation process, each project will be different due to the economic strength of the developer, the construction situation of the project and the personal economic situation. In order to attract customers, the bank extended the loan period to 30 years.
3. As long as the loan term and fixed number of years add up to no more than 70 years, that is, people under 40 can generally apply for a 30-year loan. For those who are well-funded and willing to invest, long-term loans are more favorable. You can borrow long-term funds and make short-term investments abroad at the same time, with a return sufficient to repay long-term loans and a surplus.
What are the steps to apply for a commercial loan?
1. Check your credit history before buying a house with a loan. Banks usually refuse to lend money to people with bad credit records.
2. Pay the down payment and sign the commercial housing sales contract.
3. Provide relevant information, go to the bank to sign a loan contract, and open an account in the loan bank for repayment.
4. After the information is complete, the bank will review the loan contract, determine the loan amount and issue the loan.
5. After the loan is issued, the bank will notify the payer by SMS, and the repayment person will deposit the mortgage into the repayment card of the bank regularly.