Can I go to mortgage to buy a house in Hangzhou?

How much can a mortgage house in Hangzhou borrow?

I believe everyone knows that mortgage loan is a fund-raising channel used by many people at present, and many individuals and enterprises have obtained a lot of funds through this loan. Then the problem is coming. Do you know how much you can borrow on a mortgage? Don't worry, if you are interested in this, you might as well come and learn about it with me!

How much can I borrow on a mortgage?

1. First-hand housing

According to the analysis of the loanable amount of each bank, when the first-hand house is mortgaged by the bank, it can be loaned to 80% of the transaction price of the purchased house, that is, the total transaction price of the house is 654.38+million, so the maximum loan can be 8 million.

2. Second-hand houses

According to the analysis of loanable amount of banks, when second-hand residential houses are mortgaged by banks, they can be loaned to 70% of the appraised price of purchased houses, that is, the total transaction price of houses is 6.5438+million, and the current appraised price is 20 million, so the maximum loanable amount is 7 million, that is, the total transaction price of houses is 20 million, and the current appraised price is 6.5438+million, and the maximum loanable amount is 7 million.

3. First-hand commercial housing

According to the analysis of the loanable amount of each bank, when the first-hand commercial house is mortgaged by the bank, it can be loaned to 50% of the transaction price of the purchased house, that is, the total transaction price of the house is 654.38+million, so the maximum loan can be 5 million.

4. Second-hand commercial housing

According to the analysis of the loanable amount of banks, when the second-hand commercial housing is mortgaged by banks, it can be loaned to 50% of the third-party evaluation price or internal evaluation price of the purchased house, that is, the total transaction price of the house is 6,543,800,000, the third-party evaluation price is 8,000,000 and the internal evaluation price is 3,000,000, so the maximum loanable price is 6,543,800,000.

5. Shop premises

According to the analysis of the loanable amount of each bank, when the second-hand commercial housing is mortgaged by the bank, it can be loaned to 60% of the appraised price of the purchased house, and the appraised price of the third party is 8 million, so the maximum loan can be 4.8 million.

Editor's summary: after reading the above introduction, I believe everyone has a further understanding of how much mortgage housing can be borrowed. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

How to get to mortgage to buy a house? What conditions do Hangzhou real estate mortgage loans need to meet?

There are two types of real estate mortgage loans in Hangzhou banking market:

(1) Mortgage loan, as the name implies, is used for business operation, and loans are issued by way of real estate mortgage guarantee for the purpose of borrowing.

Bank operating loans: the interest rate is relatively low, so the requirements for customers' enterprises are naturally higher. The longest loan period is 20 years, and the repayment methods are: equal principal and interest, installment repayment, interest first, principal later, and non-renewal.

(2) Consumer mortgage loan. Going abroad, educating children, buying luxury goods and decorating also need to apply for loans from banks.

Non-bank operating loans: the interest rate is relatively high. As long as the house meets the standard, the borrower can enter the loan with good credit information, mainly by paying the interest first and then the principal. Of course, there are also equal principal and interest, generally the longest is 3-5 years. The main advantage is high speed.

Judging from the latest policies in Hangzhou, the mainstream of the market is mortgage loans.

1. Personal factors: mortgagor, borrower, real estate, company, loan demand:

1. Mortgagor borrower: basically under 22-65 years old, and the mortgagor is 80 years old.

2. Houses: basically, houses that must be listed and traded after 1980, and the loan amount may be different in different regions. Local affordable houses or houses in Hangzhou can also be listed and traded by paying land transfer fees or handling loan business.

3. Company: In principle, an enterprise needs to be established for more than 1 year, but now it can handle newly registered enterprises with new shareholders. When changing, you need to pay attention to whether the company has litigation and abnormal address, and the selected industry scope must meet the requirements of the bank.

4. Loan: The loan amount of different banks is different. At present, the maximum mortgage loan for small and micro individuals is 30 million, and the interest rate and loan term depend on different situations.

Second, the housing requirements:

1. First of all, your property must be listed and traded. Simply put, you can only apply for a loan if the property can be sold. This requirement applies to houses, villas, office buildings, apartments, factories, etc. However, for the nature of small property rights and special planning, it is not within the scope.

2. Age requirement: the property after 1990 is relatively easy to handle, and the older lending institutions are more disgusted. Although there are products that can be handled before 90, there will not be too many products to choose. It is best to communicate with the school district specifically.

3. Region: The loan amount is different in different regions of Hangzhou. If the housing is in the eighth district of Hangzhou, the highest is 70-79%, and Fuyang Lin 'an is relatively better, at 70-80%. For Tonglu Jiande, it may be rejected by the bank. Individual local banks can operate or non-bank institutions can handle it, but the quota may not be too high. Please discuss the details.

Third, the credit requirements:

1. Credit inquiry: in principle, no more than 4 times in two months and no more than 6 times in half a year. If you ask too many questions, the bank may doubt the real use of your loan from the risk point of view, and the probability of refusing the loan is very high. Therefore, some banks with more inquiries cannot pass the online audit and can only apply offline.

2. Overdue: If the loan and loan principal are overdue, there are many explanations. If the credit card is overdue within 1000, you can basically write a note. In principle, the bank will not exceed three consecutive years, that is to say, it is overdue for three consecutive months/accumulated six times a year. Beyond this range, a small probability will lead to difficulties in lending, and a large probability will affect changes in interest rates or quotas, mainly banks.

3. Credit debt: If your credit debt is particularly high, you'd better handle the loan slowly. Customers with high debts will not only affect the successful interest rate of loan approval, but banks will also deduct the corresponding amount from you when handling real estate mortgage loans.

As for the credit report, the online version of the credit report applied online generally ignores bank loans, and the paper credit report printed by the counter machine is relatively more professional and formal, which can be seen at a glance.

The above is for reference only, subject to the actual handling.

Hangzhou real estate mortgage loan process

Practitioners in Hangzhou, share the term, interest rate and amount of Hangzhou mortgage.

Housing mortgage loan application process

1. Preparation of loan materials: The borrower shall prepare all the documents and certificates required for applying for a loan as required.

2. Interview with the bank and submit the loan application and materials.

3. Home Economics: The appraisal company docked by the bank conducts on-the-spot investigation and appraisal of mortgaged houses (except outdoor mortgage, corporate loans often need to be carried out on the spot).

4. Bank approval: submit all loan application materials, together with evaluation reports or comments.

5. Submit the loan use contract and the third-party account.

6. After approval, sign a loan contract.

7. Notarization of loan contract: The borrower and the mortgagor go to the notary office to notarize the loan contract.

8. Go to the local housing authority for mortgage procedures: go to the housing authority for mortgage registration with the real estate license and loan contract.

Housing mortgage loan in Hangzhou

1. The age of the principal lender must be over 18 and under 65, and the age of the mortgagor must be under 1 and under 75.

2. The borrower must be the operator or shareholder of the enterprise.

3. The borrower needs to be a permanent resident in the place where the loan is located, and needs to provide his permanent residence certificate to the bank.

4. The products operated by the borrower have good market prospects, are in good operating condition at present, and have good ability to repay the principal and interest.

5. The borrower's personal credit is good, with no continuous overdue within two years and no serious overdue for more than two years.

6. The types of real estate can be houses, villas, shops, factories, office buildings and other types of real estate that can be mortgaged.

7. Meet other loan conditions of the bank.

9. Lending: After the other warrants of the Housing Authority are completed, the bank will put the money into the third-party account provided by the borrower.

10. account opening: the borrower opens a bank account in the loan bank for repayment.

Loan amount of housing mortgage loan

The amount of real estate mortgage loan is mainly related to the bank's evaluation price, loan ratio and real estate type. When handling a loan, the type of property mortgaged by everyone is generally unchangeable. Therefore, if you need to borrow more money, try to choose banks with high evaluation prices and financial institutions with high loan ratios.

Generally speaking, the maximum loanable ratio of various properties is as follows:

Commercial housing 70%

Commodity villa 60%

Office buildings and shops 50%

Industrial factory 50%

What is the mortgage process of real estate license in Hangzhou?

Hello, detailed process of housing mortgage loan in Hangzhou:

1. Apply for a loan

The purpose, amount and duration of the borrower's application for a loan from a financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Submit loan information

Submit application materials, including but not limited to the following contents (depending on the specific provisions of each bank's products): borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.

If an enterprise needs to mortgage real estate, the materials it needs to provide include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of last year and the last six months, and asset certificates (different materials will be provided according to different banks).

This link is a very important link in the process of real estate mortgage loan, because many customers are in urgent need of money when lending. If these materials can be prepared in advance, it will save a lot of trouble.

3. House evaluation

After the materials are submitted completely, the bank will conduct on-the-spot investigation and evaluation according to the mortgaged house. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.

Step 4 apply for a loan

The housing appraisal company submits the appraisal report or appraisal opinion to the bank for approval.

5. Sign a loan contract

The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.

6. Mortgage registration procedures

The bank shall go through the mortgage registration formalities at the real estate office with the house ownership certificate and notarized loan contract.

7. Bank loans

Due to the different regulations of banks, loans will be made to the accounts of cooperative merchants in the form of cash, punch card or remittance.

8. Repay on time

This point can not be ignored, it is an important link to establish a good credit, and if it is repaid in full and on time, it will play a positive role in promoting the borrower to borrow again and find a job in the future.

9. After the loan is settled, go through the mortgage registration cancellation procedures.

Note: After the loan is settled, the mortgage cancellation formalities shall be handled at the Real Estate Bureau. The mortgage loan process of Hangzhou real estate license is as follows:

1. For details of the loan, please refer to the local lending institution in Hangzhou. You can directly click on the homepage of this website and contact the homepage loan consultant for consultation;

2. After understanding the conditions and other details of Hangzhou real estate license mortgage loan, prepare the materials needed for the loan;

3. Apply for a loan from a lending institution;

4. The application is submitted successfully, and both parties sign a loan agreement;

5. The borrower shall go through the mortgage registration formalities at Hangzhou Housing Authority;

6. After the agreement is signed, Hangzhou Lending Institution will issue loans;

7. The borrower repays the loan on schedule.

In addition, after the borrower successfully obtains the loan, he must also remember to repay it in full and on time every month, so as not to affect his personal credit record due to overdue, otherwise it will be very difficult to obtain the loan in the future.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!