Housing loans (commercial loans) can be loaned for up to 30 years.

Depending on the repayment period, the mortgage loan will pay interest first and then 1-3 years, and the equivalent principal and interest will be1-0/0 years, and the loan will still be 1-5 years.

Real estate mortgage loan:

1. Mortgaged real estate for operation;

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, etc. A copy of the company's business license stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes;

Amount: commercial use, up to 70% of the real estate appraisal value;

Interest rate: according to the bank policy and the borrower's qualification, the interest rate will rise by 20% on the basis of the benchmark interest rate;

Years: generally less than five years.

2. Mortgaged property for personal consumption:

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets and personal consumption;

Interest rate: when the mortgaged property is used for personal consumption, the benchmark interest rate is generally implemented or floating10%;

Years: generally less than ten years.

3. Mortgaged property is used to purchase commercial housing.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing;

Years: up to 30 years.

4, housing mortgage bank loan procedures:

1. You need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;

3. The bank manager or appointed lawyer will visit you at home to investigate the authenticity, legality and completeness of the information you provide;

4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;

7. Please repay the principal and interest according to the loan contract.

The key question is what is the purpose of your loan? With a bungalow mortgage of 250,000, you must take out 250,000 projects you want to do. The bank will evaluate the project and make sure that if the bank is interested in the project, it will naturally lend you money or even more.

Mortgage repayment period

Legal Analysis: How long is the repayment period of real estate mortgage loan? The longest loan period shall not exceed 30 years, and the second-hand housing provident fund loan shall not exceed 15 years; Mortgage loans are used for personal consumption, and the term is generally within ten years.

Legal basis: general rules of loans

Article 11 Term of the loan: The term of the loan shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. The longest term of self-employed loans generally does not exceed 10 years. Over 10 years, it shall be reported to the People's Bank of China for the record. The longest discount period of discounted bills shall not exceed 6 months, and the discount period is from the discount date to the maturity date of bills.

Article 12 Loan extension: If the loan cannot be repaid on time, the borrower shall apply to the lender for loan extension before the loan expires. Whether the extension is decided by the lender. When applying for secured loan, mortgage loan or extension, the guarantor, mortgagor and pledgor shall also issue a written certificate agreeing to the extension. If there is an agreement, it shall be implemented in accordance with the agreement. The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

How many years can a mortgage bank loan last?

1. If the loan is used for production and operation, the mortgage loan period is generally 5 years;

2. If the loan is used for consumption payment, the time of mortgage loan is generally 10 year;

3. If the loan is used to buy real estate, the mortgage time of the house is generally 30 years.

The above is the mortgage loan period, and different houses will have different loan periods.

Housing mortgage loan information

The amount of mortgage loan funds is closely related to the valuation of the house. The higher the house valuation, the more funds users get, and the lower the house valuation, the less funds users get. And the amount of funds available to different houses is different. Residential buildings can get 70% of the house valuation, and commercial buildings such as shops and office buildings can get 60% of the house valuation. The time of mortgage loan is related to the age of the house and the age of the user. The older the user, the shorter the time. Moreover, most banks stipulate that the age of the house and the age of the user together cannot exceed a certain value, and users should decide related matters according to their actual situation.

This concludes the introduction of the repayment period of housing mortgage loan and the repayment period of housing mortgage loan. I wonder if you have found the information you need?