How much can you borrow with a home mortgage How much can you borrow with a home mortgage in general

In all mortgages, the value of the house will affect the final amount, often the higher the value of the house, the higher the relative loan amount, and vice versa, the loan amount will be very low, because the general use of housing mortgage bank loan ratio is seventy, so the calculation formula of housing mortgage loan amount = property appraisal value loan ratio.

If the value of a house is 1 million, then directly use 1 million * 7 percent = 700,000 yuan of the loan amount, if the assessed value of the housing is 2 million, then use 2 million * 7 percent; If the value of the property is 3 million, then 3 million * 7 percent, and so on, mainly based on the real appraisal price of the house.

The appraised value of a home is mainly determined by a number of factors related to the property. For example, the use time of the property, the market of the house itself, the location of the property, the nature and type of the property, and the liquidity of the property.

If these conditions are not good enough, then there may be less money to borrow. Moreover, the value of the house cannot be judged only from the area where the house is located, and all the above conditions must be met before the appraisal can be made.

For reasons of capital security and risk control, most of the bank housing mortgage loans are only able to loan 7 percent, and the requirements of bank housing mortgage are stricter, and the loan procedures are more stringent, generally from the application to the loan needs about 20 jobs, if the borrower's qualifications are not good, the loan time will be extended.

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Extended Information: What are the steps to complete a mortgage loan?

There are probably five steps.

1. The institution that chooses the loan is usually the bank, but there are also people who choose non-bank credit institutions such as private credit institutions to handle housing loans, usually because the bank audit is stricter, and the private institution review is looser, and it can be a relatively higher amount, but the interest rate of the corresponding private loan institution is higher than the bank, and there is still a certain inner worry about not being able to receive the money for the first party, so most people will still choose the bank to handle.

2. Provide approval materials for approval as required.

3. The lending institution will make a reasonable assessment of the house and finally determine the amount according to the materials provided and contact the appraisal agency.

4. Review the materials for the second time, determine the contract amount with the borrower, and finally sign the loan contract.

5. Go through the mortgage procedures at the housing management department, and after completion, the lending institution obtains the certificate of other rights and finally disburses the loan.

The mortgage loan mainly depends on the appraised value of the house, which is generally 70% of the loanable appraisal**, or you can go to an appraisal company to evaluate the house first.

If your house is appraised at 10 million yuan, you can borrow 7 million yuan when you apply for a mortgage loan, and you can do a loan with equal principal and interest for 30 years with interest first and then principal for 10 years.

There are still a lot of materials to prepare for a real estate mortgage, and there are also a lot of procedures that need to be handled, so you should be prepared.

The maximum amount of money that can be borrowed from a bank mortgage is mainly affected by two factors!

1. Appraisal price: Each bank has its own cooperative appraisal company, so the appraisal price of each house in different banks is different, if you want to do a high amount, you must first choose the bank with a high appraisal of your house. Secondly, some banks have several appraisal companies, and the bank can approve the appraisal price of one company among several appraisal companies as the appraisal price of your house.

2. Percentage: It is impossible to achieve 100% of the mortgage loan, generally speaking, the bank does the mortgage, the highest percentage is residential, 6% is villa, and the maximum is 5% for shops, office buildings and commercial housing.

Secondly, the bank will consider the ratio given according to the product requirements, mortgage value, borrower qualifications, age of the house, age of the lender, liquidity of the house, debt situation and other aspects. Of course, if you are looking for a mortgage operated by a professional institution, generally speaking, they have a cooperative relationship with the bank, and they will give enough amount!

1.Article 5 of the Measures for the Administration of Mortgage Loans stipulates that the maximum loan amount shall be 70% of the appraised value of the house. Generally speaking, the amount of mortgage is different for different mortgaged properties.

Generally, the mortgage of commercial housing can reach 70%, the mortgage of commercial and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%.

The title deed is a mortgage. Although it can be used for loans, if you want to apply for a loan through a real estate deed, you must obtain the consent of the holder and the co-owner. In addition to the value of your home, the amount of your loan is also related to your ability to repay and your credit history.

The bank decides the amount of the loan based on your ability to repay.

Second, before determining the mortgage amount, the first thing to do is to evaluate the home**. This appraisal is conducted by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, newness, etc. After the appraisal price is available, the bank will generally make a 70% mortgage according to the appraisal price, that is, the maximum loan amount for your family is 70%.

Thirdly, there are many factors that affect the appraised value of a home. Banks pay more attention to the age of the house. For example, the Bank of China stipulates that 70% of the appraised value is less than 3 years, 60% is less than 3-5 years, 50% is less than 5-10 years, and 40% is less than 10-15 years.

The mortgage limit is also directly related to the borrower's assets, if there is only one property, then you can only borrow half of the appraised value of the property; If there are multiple properties, then you can borrow 7 8 percent of the appraised value of the property.

If the personal income is low, the bank will consider whether the borrower has sufficient repayment ability, and the bank will reduce the loan amount.

In addition to the direct ownership of the property, the real estate certificate can also be used for the mortgage of the real estate certificate, generally speaking, the mortgage amount is different for different mortgaged properties. Under normal circumstances, the mortgage of commercial housing can reach 70, while the mortgage of shops and office buildings can reach 60, and the mortgage of industrial plants can reach 50%.

There are many factors that can affect the amount of a mortgage on a house. The appraisal of the property is an important factor that affects how much money can be borrowed for the mortgage loan, and the reasons that affect the appraised value of the property mainly include the type of house, orientation, location, age of completion, floor, etc.

At present, the interest of the mortgage loan is annualized, equal principal and interest, interest first and principal later, and the maximum single loan is 10 million for a period of 10-20 years.

The mortgage process.

1. Loan application The borrower proposes the purpose of the loan, the amount and the term of the loan.

2. Prepare loan materials.

3. Appraisal of the house The relevant institutions shall conduct on-site surveys and evaluations (surveys) of the mortgaged houses.

4. Loan approval Submit all loan application materials together with the appraisal report or survey opinion to the bank for approval.

5. Notarization of loan contract.

6. Mortgage registration procedures.

7. Bank loans.

Loans have become an indispensable part of our lives, and we will inevitably encounter the problem of shortage of funds. If we own real estate or other collateral as one of the loan options, we are more concerned about how much we can borrow on our home mortgage in addition to the loan interest.

The mortgage amount depends on the assessment of the value of the home and is lower than the housing market**. Generally speaking, the appraised value of the property is affected by the age of the house, market value, location, property type, liquidity and other relevant factors. The mortgage ratio does not exceed 70% of the appraised value of the home.

However, depending on the different types of real estate, the maximum loan ratio also has an impact. For example, the proportion of residential mortgage loans for individual commercial households is the highest at 70%. The maximum percentage of office and shop mortgages is only 60%; The maximum loan-to-value ratio for factories is only 50%.

At the same time, the following types of houses cannot be (or are difficult to) mortgage: houses with an area of less than 30 square meters and a life period of more than 20 years; Former Digwood affordable housing less than five years old; Small-scale property rights are recognized by the housing management department; Some of the public housing has been purchased.

Generally, a mortgage can last up to 30 years. However, when applying for a mortgage loan, the actual loan term will be affected by the age of the house and the age of the borrower. Most banks have strict regulations on the term of the mortgage loan, that is, the term of the mortgage loan and the age of the borrower cannot exceed the age of 65 years of the borrower, usually to the age of 65, which means that the borrower has reached the statutory retirement age, beyond which the lender believes that the borrower does not have enough repayment ability.

In addition, the age of the property and the age of the borrower are required to be no more than 65 years combined.

All in all, when it comes to applying for a home mortgage, not everyone can apply for a loan term of up to 30 years. When applying for a home mortgage, the shorter the term of the loan that can be applied for as the borrower ages. In addition, the nature of the dwelling also affects the duration of the loan.

For example, condominiums, properties or other types of housing mortgages generally have a term of no more than 30 years.

How much can you borrow with a house mortgage.

In the case that the borrower's qualifications and the condition of the house meet the bank's requirements, the mortgage loan can be used as collateral to borrow 7% of the appraised value of the house. If you use shops, office buildings, and office buildings as collateral, you can borrow 6% of the appraised price for the house mortgage, and if you use an industrial plant as collateral, you can only borrow 5% of the appraised price. Please note that this appraisal price is subject to the appraisal of the appraisal company approved by the bank.

In addition, if you use your residence as collateral to apply for a loan, but if you use it for consumption and not for business purposes, that is, you don't have a business license, the amount usually won't exceed 1 million, which is the same in any bank. The amount may be increased unless there is a guarantee provided by a guarantee company approved by the bank. If you apply for a loan of more than 1 million yuan at the bank on your own, in addition to providing collateral, you must also have a company in your name or in the name of your immediate family members.

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The mortgage can borrow 80% of the money. The reason is that the mortgage of the general personal property is usually 7-8% of the appraised value of the property. Some banks have business owners who have mortgages as high as 120% on their properties, which is a multiple of the appraised value of the property that can be borrowed.

As mentioned above, the loan amount for business owners is different from the amount of ordinary personal loans, and the loan amount for eligible business owners can even exceed the value of the property appraisal, although this type of loan usually requires a guarantee from the guarantee company or business.

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The mortgage can be about 400,000 yuan. The formula for calculating the mortgage loan amount and the loan amount, the loan amount = the appraised value of the property The loan-to-value ratio, it can be seen from this formula that the appraised value of the property and the loan-to-value ratio will affect the loan amount of the house. The market value of the mortgage loan is 400,000, but the lender will determine the value of your house based on factors such as the location and age of your house.

Pawns are generally discounted by 5 or 200,000, and guarantee companies and banks are generally discounted by 7 or 280,000. Therefore, the maximum amount of your house can be financed to 300,000 under the condition of complete property rights.

How much can you borrow with a mortgage.

Hello dear. <>

The mortgage can be about 400,000 yuan. The formula for calculating the mortgage loan amount and the loan amount, the loan amount = the appraised value of the property and the loan-to-value ratio, from which it can be guessed that the appraised value of the property and the loan-to-money ratio will affect the loan amount of the house. The market value of the mortgage loan is 400,000, but the lender will determine the value of your house based on factors such as the location and age of your house.

Pawns are generally discounted by 5 or 200,000, and guarantee companies and banks are generally discounted by 7 or 280,000. Therefore, the maximum amount of your house can be financed to 300,000 under the condition of complete property rights.

Factors affecting the appraised value of the property and the loan ratio 1, the age of the house, in order to avoid its own risks, when the bank provides loans for the house, it generally stipulates stricter conditions for the house itself and the lender, and the age of the house is one of the important factors to consider. Generally, the construction age of the mortgage is preferably less than 20 years, and the more recent the construction age of the house, the corresponding increase in the loan-to-value ratio. The older the building is, the lower the loan-to-value ratio of the borrower.

According to bankers, the age of the property has become a criterion for many banks to issue loans. In general, because the older the house, the less room for the house to appreciate and preserve its value, the lower the loan-to-value ratio will be, and the loan may not even be granted. 2. The geographical location of the property, the location and area of the house are the main factors for the bank to approve the loan.

For houses in remote locations and small sizes, the loan-to-value ratio is generally lower. Because of the remote location and small area, the less the liquidity of the property will be, so the loan ratio will be at the end of the month, and even Yuqingmo may not take out the loan. 3. Hardcover or luxury properties will add points to the appraised value of the property.

4. Generally speaking, ordinary residential mortgage loans can borrow up to 7% of the assessed value of real estate; Commercial buildings such as office buildings can only be loaned to 5% of the appraised value of the property.