How to borrow money to buy a house?
1. How to borrow money to buy a house? Choosing a lending institution: The first step in handling a real estate mortgage loan is to choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a serious injury. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Therefore, choosing the right lending institution is a crucial step in the whole loan process.
2. After selecting an institution, you can submit the materials required to apply for the institution. There is basically nothing for us at this stage. The loan will conduct a preliminary review of the basic materials we submitted before, and the review meets their requirements.
3. Appraisal: generally speaking, lending institutions, especially banks, are required to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. Different households are not necessarily the same, and the charging standards in different regions are also different.
5. Loan approval and signing: The lending institution will re-examine the loan according to the previously submitted materials and evaluation report. How to borrow a house loan? Those who pass the examination and approval will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract. Handle mortgage registration and loan.
How much can a house mortgage loan borrow?
1, housing mortgage loan Generally speaking, the amount of housing mortgage loan 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. It is pointed out that there are many factors that affect the amount of housing mortgage loan. The evaluation of real estate is an important factor affecting the amount of mortgage loan, among which the main reasons affecting the evaluation value of real estate are 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.
4. The amount of personal income, the bank will also be considered within the scope of loan factors. If the personal income of mortgage loan is low, the bank will consider whether the borrower has enough repayment ability, and the bank will reduce the loan amount.
Summary: Here is a brief introduction about how to borrow money to buy a house, and how much knowledge the house mortgage loan can borrow. What Bian Xiao wants to say is that we have mastered the essence of housing mortgage loan, but the specific amount of the loan is mainly related to our personal income. Specific analysis of the specific situation.