Nowadays, many people will use the funds obtained from mortgage to relieve the pressure of financial shortage, which is also the most common one in many ways. The mortgage loan of the house has a great relationship with the age of the house, the borrower and the liquidity. Then, how many years can a house mortgage loan be borrowed? What are the factors that affect the real estate appraisal value and loan ratio? The following small series will take you to find out.
How many years can a house mortgage loan last?
The term of mortgage loan is determined according to the old and new houses, and the maximum term of mortgage loan for new houses is not more than 30 years. If it is a second-hand housing mortgage loan, then the loan term cannot exceed 20 years. In addition, when choosing the term of housing loan, we should choose according to the actual repayment ability of the individual, otherwise the repayment pressure will be great.
Factors affecting the appraisal value of real estate and loan ratio
1. Factors affecting real estate appraisal value and loan ratio-house age.
The age of the house is also one of the important factors that affect the proportion and evaluation value of bank loans, and it is also an important auditing standard for loans. Usually, the older the house, the smaller the appreciation space, so the lower the loan ratio.
2. Factors affecting the appraised value of real estate and loan ratio-the geographical location of real estate.
The location and area of the house is the focus of loan approval. If the house is small and far away, the loan ratio will be relatively low. Because of the poor liquidity of this kind of house, the loan ratio given by the bank is low.
3. Factors affecting the appraisal value of real estate and the loan ratio-the lender's age, personal credit and repayment ability.
If people are old, have poor credit and low repayment ability, then the loan ratio of banks will naturally be low, and some banks will even refuse to lend.
Summary: I will share some small series about how many years the mortgage loan can last and the factors that affect the real estate assessment value and loan ratio. I hope the above content will be helpful to everyone. For more exciting content, please continue to pay attention to Qijia. com。
How many years can a mortgage last?
Mortgage loans can last as long as 30 years. \x0d\ 1。 The mortgage rate of commercial housing can reach up to 70%; \x0d\2。 The mortgage rate of office buildings and shops can reach up to 60%; \x0d\3。 The mortgage rate of industrial plants can reach up to 50%; \x0d\4。 The longest period can reach 30 years; Mortgages include shops, office buildings, houses, villas, factories, warehouses, etc \x0d\
How many years can I borrow a real estate mortgage loan?
Houses are a part of people's lives. Of course, when people need money badly, taking the form of real estate mortgage can make money come faster. Then, the following small series will introduce how many years a real estate mortgage loan can be borrowed.
1. How many years can I borrow a real estate mortgage loan?
Real estate mortgage loan, with commercial premises as collateral, can be loaned for 5 years, and must meet the service life of commercial premises+credit period ≤ 30 years; With the house as the mortgage, the loan can be made for 30 years, and the following conditions must be met: 1, the borrower's age+credit period ≤60, which meets the "double excellent" individual customer standard issued by our bank; 2. The service life of the house+credit period ≤40. On this basis, the loan time is determined by combining the liquidity and repayment ability of collateral.
Second, what are the conditions for mortgage loan?
1, age 18 -55 years old, usually the amount of real estate mortgage loan is 50% ~ 70% of real estate assessment price, and the term of real estate mortgage loan is usually 1 ~ 10 years (some banks can serve customers for 30 years, but the borrower's age cannot exceed 60 years after the loan is completed);
2. The room age is within 20 years; The loan interest rate of mortgage loan is usually10% ~ 20%; There is a certain repayment source (the effective proof is that the focus is on bank flow, and at least the monthly effective income is more than twice the monthly repayment amount of real estate mortgage loan), and the personal or company credit information is good;
3. At present, banks can accept materials such as commercial houses, houses, shops, mortgage houses, secondary mortgages, serviced apartments, office buildings, etc. (There are many assets certificates provided, and personal repayment ability is the key factor in handling real estate mortgage loans, so if you can provide assets certificates similar to other real estate, vehicles, securities, companies, etc., the amount of bank real estate mortgage loans can be greatly increased.
Summary: The above is all about how many years the real estate mortgage loan can be borrowed, hoping to help everyone. Presumably, everyone knows something after reading it! If you want to know more relevant information, please pay more attention to Qijia. It will provide you with more complete, detailed and up-to-date information.
How many years can I borrow a real estate mortgage loan?
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Housing is not only an important part of our life, it can be used as collateral when we need money urgently, so that money can come faster. However, many people have limited knowledge about how many years mortgage loans can last. If you want to know more, let's go to Bianxiao together!
How many years can I borrow a real estate mortgage loan?
If the commercial house is used for mortgage loan, the credit period is 5 years. Of course, the service life of commercial housing plus the credit period should be less than or equal to 30 years. In the case of housing mortgage loan, the credit period can be as long as 30 years, but the applicant's credit period should be less than or equal to 60 years, so it is necessary to comprehensively evaluate the applicant's repayment ability.
What are the terms of mortgage loan?
1. The applicant should be 18-55 years old (only a few microfinance institutions can accept children or the elderly), and the mortgage loan amount is basically 50-70% (some banks may increase it); The term of mortgage loan is usually 1 year-10 year (a few banks reach 30 years, but the borrower cannot be over 60 years old after the loan is completed);
2. The age of the house needs to be within 20 years; Mortgage loan interest rate rises10%-20%; There must be a source of income (the effective proof is that the bank's running water and monthly effective income are more than twice the monthly mortgage repayment); The credit of the individual or company is good (if there is no overdue repayment, the bank will not approve the payment);
3. At present, the types of mortgage payment accepted by banks are commercial housing, housing, secondary mortgage, shops, serviced apartments, mortgage houses and office buildings.
Editor's summary: The above is the analysis of how many years the real estate mortgage loan can be borrowed. It is necessary to know that real estate mortgage can be exempted, but there are certain conditions and requirements. Only when the conditions are met can the mortgage formalities be handled. When doing mortgage transactions, we must find a reliable company, because only in this way can we have a safe guarantee for the mortgaged house.
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