In first-and second-tier cities, many people are house slaves. It is very difficult to buy a house in full when the room only goes up and down. But if you can own your own house, it is everyone's dream. So, how much can a house loan be borrowed? How to borrow money to buy a house? Let's take a look with Bian Xiao.

1. How much can I borrow for a house loan?

1. Generally speaking, the amount of mortgage loans is different for different mortgaged properties. Usually commercial housing can be loaned to 70%, shops can be mortgaged to 60%, and industrial plants can be mortgaged to 50%.

2. There are many factors that affect the amount of mortgage loan, and the evaluation of real estate is an important factor that directly affects the amount of mortgage loan.

3. The mortgage loan limit is directly related to the assets owned by the borrower. For example, if you only have one house, you can only borrow half the price of real estate assessment. If you have multiple properties, you can borrow 70% to 80% of the real estate assessment price.

The amount of personal income will also be taken into account by banks. If the personal income is low, the bank will consider whether the lender has the repayment ability, otherwise the bank will reduce the loan amount.

Second, how to borrow a house mortgage loan

1. Both parties sign a contract to stipulate the amount of down payment, loan and final payment, and then the buyer and spouse apply for the loan in person at the bank, and the recipient and spouse need to be confirmed.

2. After the bank verifies, investigates and approves the loan applicant, the buyer signs a loan and guarantee contract with the bank, and the seller transfers the property right to the buyer.

3. When the buyer goes through the mortgage registration with the bank, the bank will issue loans to the seller's account.

4. The buyer and the seller settle the house payment, and the seller collects the final payment from the buyer. After the buyer repossesses the house, he will repay it on a monthly basis.

Editor's summary: How much can I borrow from a house loan? How to borrow money to buy a house? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

How much is the house loan?

Generally speaking, the final loan amount depends on your personal situation, and the final result is recognized by the bank. If it is a commercial loan, the first suite now requires a down payment of 30% and a loan of 70% is the upper limit. The final approval depends on income, bank flow, family situation, work unit, etc. These factors ultimately determine whether the bank believes that you have the ability to repay the loan.

If it is a provident fund loan, it depends on the deposit amount of the provident fund. The maximum amount of provident fund loans is 500,000 for one person and 800,000 for two people (at present, the maximum amount of Wuxi provident fund loans is 300,000 for one person and 500,000 for two people). The approval of the loan amount of provident fund is related to the monthly deposit amount of provident fund, age and housing age.

Extended data

Provident fund loan amount: the minimum value calculated according to the multiple of the storage balance, maximum loan amount and loan ratio of the housing provident fund account is the maximum loanable amount of the borrower. (Suspension of housing provident fund loans to employees' families for the purchase of third and above houses. )

Maximum loanable amount calculated according to the balance of housing provident fund account:

The calculation formula is: (balance of provident fund account ×2× monthly contribution of provident fund to statutory retirement months) × 22. The loanable amount calculated according to the maximum loan limit.

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.

Generally speaking, if there is no good investment method, it is understandable to give all the money on hand down payment, and the monthly supply is lower. However, there is no money at hand. From the perspective of interest rate, if the house transaction is 6,543,800 yuan+0,000 yuan, we can borrow 700,000 yuan, but the actual loan of 500,000 yuan is enough.

If you deposit money in the bank, the fixed interest rate for five years is 5.5%, and the interest rate for provident fund loans over five years is 4.9%. In other words, if you deposit the remaining money in the bank regularly and use the provident fund loan, you can earn 0.6% annual interest.

The interest rate of commercial loans over five years is 7.05%. Of course, the interest rate of time deposit is not enough to cover the cost of commercial loans, but if there are other investment returns, it can still be considered. Moreover, interest rates are changing, and with inflation and other factors, the remaining money can play a greater role in the short term.

How many years can I borrow a house loan?

First, the loan term.

1, the longest term of individual housing loan is 30 years, and you can choose 20, 15, 10, 5 years, etc.

2. The longest term of personal commercial housing loan is 10 year;

3. Men under 60 years old and women under 55 years old.

Second, the basic provisions of housing loans

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

3. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (built or overhauled).

4. Loan term: up to 30 years.

5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

6. Repayment method: entrusted deduction and counter repayment.

7. Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.

Three, apply for a loan should be submitted to the information:

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6. Other documents and materials specified by the lending bank.

Can I apply for a commercial loan to buy a house now? How much can I borrow?

Of course. The maximum loan amount is 70% of the total house price.

Housing commercial loans generally require applicants to pay a minimum down payment ratio of not less than local regulations. The minimum down payment ratio of housing loans in most cities is 30%, which means that the maximum loan amount is 70% of the total house price. In addition, it will also be affected by the applicant's income, and the monthly housing loan payment shall not be higher than half of the borrower's income. If it is a second-home commercial loan, the maximum loan amount shall not exceed 40% of the value of the purchased property. Second-hand housing loan amount is also different, generally 70% of the loan evaluation price.

Commercial loan conditions for buying a house

The upper limit of the commercial loan for buying a house is illegal, which is related to the income and age of the lender. The conditions of the house purchase loan are:

1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.

5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

For the above contents, please refer to People's Daily Online-Four Matters Needing Attention in Buying a House with Mortgage Loan.

How much can a person borrow to buy a house?

Do you know how much a person can borrow to buy a house? How should single young people buy a house? As a novice buyer, you may not be very clear about this. But don't worry, I'll give you a brief introduction to these two problems.

How much can a person borrow to buy a house?

The minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the house purchased (the city without purchase restriction is adjusted to not less than 25%); The minimum proportion of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the house purchased.

The specific loan amount can only be determined after you submit the relevant information and the outlets review it. Of course, you can also get in touch with the personal loan department of local outlets directly for consultation.

How should single young people buy a house?

1, as we all know, everyone has his own way of life and outlook on life, and also has the right to plan his own life. Because of their different lifestyles, outlook on life and orientation, their methods and behaviors will be different. But as far as I am concerned, young people should focus on their careers and don't invest in buying a house too early, which is very beneficial to their future development.

We must make every consumption according to our own economic situation. Including their work status, health status, emotional status. Because of different conditions, the consequences of eating it are also different. For individuals, buying a house is just one of the consumption behaviors. So before buying a house, we need to measure our personal situation.

If you are still single and have no plans to get married in the short term, you might as well consider a small apartment as a temporary shelter. There is absolutely no need to buy a large apartment without causing a heavy financial burden on yourself. After all, small huxing is only a kind of transitional housing. Large-sized housing will not only aggravate your loneliness, but also increase the trouble of cleaning. For singles, it has become an obstacle to the pursuit of exquisite life.

Editor's summary: After reading the above introduction, I believe everyone has a further understanding of how much money a person can borrow to buy a house. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

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