1. How much mortgage loan can be borrowed is related to many aspects, such as the age of the house, the age of the lender, the liquidity of the real estate, the liquidity of cash and so on. This all boils down to real estate appraisal and loan ratio. The greater the real estate assessment value, the more loans, and the more accounts that can be loaned. Real estate appraisal value and loan ratio may affect the loan credit line of the house.
2. The age of real estate has become the audit standard for many financial institutions to issue loans. Under normal circumstances, the older the house, the lower the appreciation space of the house, the lower the proportion of general loans, and even the possibility of not lending. For houses with remote locations and small areas, the loan ratio is generally low. Because the place is remote, the total area is small, and the real estate liquidity is even worse, so the loan ratio is low, and it is even possible not to lend.
3. The amount of general real estate mortgage loan is not fixed. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what I thought, and it must be evaluated by a more professional organization.
4. It also depends on the actual situation of your house, such as time limit, area and property rights. Sometimes it depends on your own standards, such as repayment ability and personal credit limit.
What are the conditions for real estate mortgage? 1. The social security agency for the pledged property and the loan must be located in the same big city, and the consumer loan refuses to accept foreign collateral. If the pledge is commercial housing, it also needs to meet the corresponding provisions of my commercial housing loan on collateral.
2. The house property certificate has been obtained, the property right is clear, the goods can be sold and circulated, and the mortgage is handled according to the regulations. There is no property right objection, and it is not easy to realize it quickly.
3. Strong liquidity, sound real estate structure, water, electricity, environmental protection, transportation, urban construction, property management services and other service facilities and services are complete, and there will be no disputes and confusion, which is not within the scope of government planned demolition.
4. Assess the property with discount rate below 6,543,800 yuan (inclusive) and refuse to accept the pledge.
5. Under normal circumstances, the property with a room age of more than 20 years (including the completion period of the property) refuses to accept the pledge.
6. Pledged goods must be evaluated by a professional technical evaluation department recognized by the bank.
7. Education required by the bank.
Can I live in a house without paying the heating fee? If the house can't be heated, you don't have to pay for heating. If the owner does not live in the house for other fundamental reasons, he can go to the relevant department to apply for a temporary shutdown of the heating fee. After success, he only needs to pay part of the heating cost and the maintenance cost of the heating pipe network.
In the process of declaration and delivery, buyers also need to pay the housing maintenance fund in accordance with the state agreement. Housing maintenance funds can only be used for public facilities, machinery and equipment, housing decoration and other aspects, and all people are not allowed to lend them without authorization. And the application for housing maintenance fund in the middle and late stage needs the permission of 2/3 people in the community.
As the emergence of residential quarters to maintain social order and natural environment, property management companies do not mean working for free, and owners have to pay a certain property management fee. But it should be noted that even if you don't move in, as long as you take the house, the owners of the community will pay the property management fee. At the same time, the property management company can only deduct the property management fee according to the equal principal and interest agreed in the contract, and shall not raise the price without authorization.