How much can I borrow for commercial housing mortgage?
1. Generally speaking, the mortgage loan amount is different for different mortgaged properties. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%.
2. There are many factors that affect the amount of mortgage loan, and the evaluation of real estate is an important factor that affects the amount of mortgage loan. Among them, the main reasons that affect the appraisal value of real estate are house type, orientation, location, year of construction, floor and so on.
3. The mortgage loan limit is also directly related to the assets owned by the borrower. If there is only one property, so much can only be loaned to half of the value of real estate assessment; If you have multiple properties, you can borrow 70-80% of the value of real estate assessment.
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 borrower has enough repayment ability, and then the bank will reduce the loan amount.
What are the conditions of commercial mortgage loan?
1. The mortgaged property and the lending institution must be located in the same city, and personal consumption loans do not accept remote mortgages. If the collateral is commercial housing, it must also meet the corresponding requirements of personal commercial housing loans for collateral;
2. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;
3. Strong mobility, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without disputes and problems, which are not within the scope of government planned demolition;
4. The appraised property whose present value is less than or equal to 654.38 million yuan is not mortgaged;
5. In principle, mortgage loans will not be accepted for properties with a house age (referring to the completion period of the property) of more than 20 years (inclusive);
6. Collateral must be appraised by a professional appraisal institution recognized by the bank.
7. Other conditions stipulated by the bank.
The interpretation in the above article is all about how much commercial housing mortgage can be borrowed and what are the conditions of commercial mortgage loans. I hope I can give you some help. To sum up, the mortgage loan amount of commercial housing depends on the nature of commercial housing, and the loan amount of commercial housing with different nature is different.