Now, more and more people choose to apply for mortgage loans, and some of them are 45 years old. There are many restrictions on handling loans at this time. Although you can apply for a loan at the age of 45, the loan period is short. How many years can I borrow to buy a house at the age of 45? What are the procedures for buying a house with a loan? Let's take a look with Bian Xiao!

1.45 How many years can I borrow to buy a house?

If the lender is 45 years old, according to the relevant regulations, the loan period cannot exceed 20 years, because the bank requires the lender to be between 18 and 65 years old, and the sum of the lender's age and loan period should be less than 65 years old. However, the mortgage regulations of each bank are different. Please ask the relevant personnel of the bank for details.

Second, what are the procedures for buying a house with a loan?

1. Before going through the loan formalities, you should first go to the local real estate appraisal agency to evaluate the market value of the house, and then you can get the real estate appraisal report. But it takes a long time to evaluate the house, and the specific time needs to be decided according to the actual situation.

2. The lender prepares all the materials needed for mortgage, then goes to the loan bank to get the application form for house purchase loan, fills in the application form for house purchase loan as required, and submits it to the relevant staff of the bank. After acceptance, the staff will review the materials and estimate the loan amount and loan period according to the materials.

3. After passing the examination, the buyer needs to pay the down payment to the seller, and at the same time, go through the house transfer formalities with the seller at the local housing authority and pay the relevant fees, so that the buyer can get a new real estate license, and then the buyer needs to go through the mortgage formalities with the real estate license, and the bank will lend money after receiving the real estate registration certificate.

Summary: Here's something about how many years you can borrow to buy a house at the age of 45. There are many procedures for applying for a mortgage loan. Therefore, it is recommended that you go to the lending institution in advance to understand and prepare relevant materials before applying for a mortgage. If you want to know more about decoration, you can pay attention to Qijia. com。

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