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How much can I borrow to buy a house

Housing loan is the first choice for many people to buy a house. The total amount of a house is also a very large sum of money. It is also a big expense to take out such a sum of money. So how much loan knowledge do you know about loan to buy a house? Then you need to look at the following article.

How much can I borrow to buy a house

1. Generally speaking, different properties are mortgaged, and the amount of mortgage loan is different. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops can reach 60%, and the mortgage of industrial plants can reach 50%.

2. It is pointed out that there are many factors affecting the amount of house mortgage loan. The evaluation of real estate is an important factor affecting the amount of mortgage loan.

3. The limit of housing mortgage loan also has a direct relationship with the assets owned by the borrower. If there is only one set of real estate, then only half of the assessed value of the real estate can be loaned; If there are multiple properties, then 70-80% of the assessed value of the property can be loaned.

4. The amount of personal income will also be considered by the bank within the scope of loan factors. If the personal income is low, the bank will consider whether the borrower has enough repayment ability, and the bank will reduce the loan line.

What are the restrictions on buying a house with a loan

1. First of all, your house property certificate can handle the transfer procedures normally. In order to be able to do mortgage to the bank, the bank also does this in order to reduce their own losses. After all, there have been cases in which banks can't afford to repay the loan. The bank's request is also to protect their legitimate rights and interests.

2. There is a time limit. Generally speaking, if you buy a second-hand house and your seller's house has been more than 20 years, you can't apply for the current house loan. This may cause some troubles to some friends.

3. The lender should have enough stable income and be at least 18 years old. It is also necessary to issue relevant income certificates to relevant departments. To prove that their income is within the prescribed range, the economic income condition of the house buyer must be more than twice of the loan repayment amount every month, and excluding the loan repayment this month, the monthly disposable income can not be less than 800 yuan.

These rules are made by banks to collect fixed loans every month. There are different regulations in other places, which should be analyzed in detail.

The above is the loan to buy a house can loan how much? Generally speaking, as long as your credit record is good and there is no big problem with your personal file, you can get the loan when you buy a house. As long as we have a clear understanding before doing this, even if we need all kinds of procedures, I believe we can get the loan smoothly and quickly.