housing mortgage loan . To put it simply, it depends on the appraised price of the house. This appraised price is not what anyone thinks it is, and it needs to be appraised by a professional organization. Therefore, there is no fixed value. How much
can borrow is also related to many factors, because it will also affect the appraised value of the property and the loan ratio. Generally speaking, the higher the appraised value and loan ratio of the property, the higher the amount that can be loaned . Conversely, the lower the appraised value of the property, the less amount you can borrow. Therefore, the appraised value of the property and the loan ratio will also affect the loan amount of the house. In addition, the current age of real estate has also become a review standard for many banks to issue loans. In general, the longer the age of the house, the smaller the room for house value preservation, and the lower the ratio of approved loans, and may even not grant loans. Houses with remote locations and small areas generally have lower loan ratios. Because the location is remote and the area is small, the property's liquidity will be worse, so the loan ratio will be low, and the loan may not even be granted.
also has some other conditions about the house, such as age, location, property rights, etc., as well as the liquidity and cashability of the real estate. Occasionally, it also depends on the personal conditions of the borrower, such as repayment ability and personal credit line, etc.
Can the mortgaged house be mortgaged from bank? However, housing second mortgage loans have higher requirements on the loan housing and other requirements. Generally, only those housings with room for value preservation and appreciation and good location of the housing can be handled.
In addition, real estate mortgage does not affect the normal use of individuals, as long as the repayment is on time, house rental, personal residence, etc. will not be affected.
The house is mortgaged and can be used as a normal residence, but if the property owner is transferred or changed, there will be restrictions. Without the consent of the mortgagee, the property right cannot be disposed of casually.
What is the interest rate of the house mortgage loan?
The interest rate of the house mortgage loan is different. If the loan period is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%. If the loan term is more than 5 years, the annual loan interest rate is 5.04%. The loan interest rate fluctuates up and down on the basis of the central bank's benchmark interest rate . The interest rates of real estate mortgage loans of major banks are raised by 15% based on the benchmark interest rate, while some joint-stock banks are raised by 10% of the benchmark interest rate.
If you have any legal questions, you can click the applet below to consult a professional lawyer ↓↓
(the applet has been added here, please go to the Toutiao client to view it)
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