Now many families can't afford expensive houses, so most people will choose the way of loan when buying houses. Some households will choose to use old house mortgage loans, but they don't know much about the knowledge of house mortgage loans. Then the question comes, how much can house loans be? How to buy a house with a loan? Let's follow Xiaobian to understand this problem.
How much can I borrow for a house loan?
1. That house mortgage loan generally speaking, the mortgage property is different, and the amount of house mortgage loan is different. Under normal circumstances, the mortgage of commercial houses can reach 70%, the mortgage of shops and office buildings 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 money that can be borrowed by housing mortgage loans. The reasons affecting the evaluation value of real estate mainly include house type, orientation, location, construction age, floor, etc.
3. Housing mortgage loan limit also has a direct relationship with the assets owned by the borrower. If there is only one set of real estate, so many can only borrow half of the assessed value of real estate; If there are multiple properties, you can borrow 70 ~ 80% of the assessed value of the property.
4. The amount of relevant personal income will also be considered by the bank within the scope of loan factors. If the personal income of house mortgage loan is low, the bank will consider whether the borrower has sufficient repayment ability, and the bank will reduce the loan amount.
How to buy a house with a loan?
1. Optional loan institutions: the first step in handling real estate mortgage loans is to select a good loan institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a hard wound. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Therefore, choosing a suitable lending institution is a crucial step in the whole loan process.
2. After selecting the organization, you can submit the application with the materials required by the application organization. There is basically nothing for us at this stage. The loan will make a preliminary review of the basic materials we handed in before, and the review meets their requirements.
3. Evaluation: General lending institutions, especially banks, require to go to designated or recognized evaluation institutions for evaluation. Evaluation fees will be charged during evaluation. The fees charged by different countries are not necessarily the same, and the charging standards in different regions are also different.
5. Can approve the loan and sign the contract: the loan institution will review it again according to the previously submitted materials and evaluation report. How to borrow the house loan? Those who have passed the examination and approval will communicate with you about the loan amount, interest rate, term, repayment method and other issues. After communication, you can sign the contract. Handle mortgage registration and loan.