The mortgage amount is mainly determined by factors such as mortgage down payment, borrower's repayment ability, credit information and the age of second-hand houses.
1, down payment ratio of house loan
The bank loan amount is first affected by the down payment ratio, and generally cannot exceed the difference between the total house price and the down payment amount.
For example, if the total house price is 654.38+100,000 yuan and the down payment is 30%, then the maximum loan amount calculated according to the down payment = 654.38+000-654.38+000 x 30% = 700,000 yuan.
The down payment ratio will change with the property market policy, and the requirements between banks will be different.
2. Housing appraisal price
As mentioned in the above formula, the loan amount is also affected by the total house price, which refers to the evaluation price. The higher the evaluation price, the higher the loan amount. Usually, the housing appraisal work will be done by a professional institution designated by the bank.
3. The borrower's repayment ability
The requirement for buyers is monthly income, which can reflect a person's repayment ability. The calculation formula is monthly income = monthly mortgage payment X2. The monthly income is based on the family. In the case that the monthly income is not up to standard and the loan amount is affected, married people can add up the income of husband and wife. Singles can try relay loans. Relay loan means, for example, if your income is not up to standard, but your father or mother has not retired, you can apply for a mortgage as the owner of the house and the same borrower as your father (mother). Banks will calculate according to the sum of their income. However, not all banks support the relay loan business. Please consult the loan bank for details.
4. Credit information of the borrower
After talking about the monthly income, it is necessary to talk about the personal credit information of the lender. Banks require different degrees of easing. If the loan amount is reduced due to bad credit, you can try other loan banks with loose requirements.
5. Second-hand housing era
Older second-hand housing loans may be reduced, and the younger you are, the easier it is to get loans. Previously, it was generally required to be 20-25 years, but banks in some cities raised the requirements and shortened the age to less than 20 years. It is difficult to reduce the loan amount caused by the age of the house. After all, banks are also trying to reduce risks. Therefore, when buying a second-hand house, we must pay attention to the regulations of the bank and verify the real age of the house so as not to affect the amount.
The progress of building registration affects the speed of lending.
For some cases where it is impossible to lend money because of "insufficient quota", Rong 360 Mortgage Jun thinks that it can be analyzed in detail. For example, the house purchase contract and loan contract have been signed, and the materials have been handed in. In the case of a large number of people applying for mortgage loans, the bank should not only determine the loan amount according to the above factors, but also allocate it according to its planned amount this year, this quarter and this month. Of course, banks will also make a profit.
If the bank has issued a loan approval letter, it means that the previous audit has passed and is waiting for a loan. If you are told that the quota is insufficient, it should mean that the quota is temporarily insufficient, not that the loan failed. The only thing I can do is wait for the loan.
However, sometimes banks don't lend money, which is not necessarily the reason of banks. Some developers have delayed filing new properties because of capital turnover problems, which has led to the inability of follow-up banks to follow up. Due to the cooperation with real estate, buyers only say that the number of places is not enough, or for other irrelevant reasons, buyers have no choice but to wait in anxiety and anxiety. A loan officer once said that buyers here are under great pressure, and banks there can only wait, and there is also great pressure as intermediaries.
In September, buyers and banks are in a game state, one is worried about lending, and the other is worried about quota and performance.
(The above answers were published on 20 17-08-29. Please refer to the actual situation for the current purchase policy. )
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