A 40-year mortgage can be loaned for 30 years, and the longest one should not exceed 30 years.

If you want to apply for a housing loan through China Merchants Bank, you need to comply with the local housing purchase policy, and the age plus loan period cannot exceed 70. At the same time, you need to provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.

The longest loan/credit period of first-hand property shall not exceed 30 years. Your loan term will be determined by the handling bank after you submit relevant information.

The longest loan/credit period for second-hand buildings is not more than 30 years, and the building age of the shopping industry (referring to the completion period of the property) is generally not more than 20 years. The longest loan period plus the building age of the mortgaged property is not more than 40 years in principle. The specific application time limit requires you to submit relevant information, which will be determined by the handling bank after comprehensive examination and approval.

Extended data:

Requirements for prepayment:

Because the mortgage lender who needs to repay the loan in advance needs to carefully check the application for repayment in advance and then review it, and the application also takes some time. If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation.

What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies.

If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.

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How many years can I borrow a 47-year mortgage?

Calculate how much it will cost to decorate your home.

Faced with high housing prices, more and more people will choose loans to buy a house, but loans to buy a house also require borrowers to meet certain conditions. Such as age, job stability and repayment ability. Not everyone can apply for a loan. So how many years can you borrow a 47-year mortgage? What are the loan methods? With these two questions, let's take a look!

How many years can I borrow a 47-year-old mortgage?

Usually, the longest term of bank loans is not more than 30 years, and the sum of the borrower's age and loan term is not more than 70 years old. In this way, if the borrower is 47 years old, the longest loan can be 13 years. Of course, the specific years depend on the borrower's working years, repayment ability and other factors. It is suggested that the local bank shall prevail.

What are the loan methods?

1, housing provident fund loan to buy a house:

If there are residents who pay the provident fund, it is recommended to choose a provident fund loan to buy a house. Not only is the interest rate much lower than that of commercial loans in the same period, but when the provident fund is used for mortgage and insurance, the related hand fees will be halved.

2, personal housing commercial loans to buy a house:

If a friend fails to pay the housing provident fund, he can apply for a commercial personal loan. As long as the balance of the loan bank accounts for 30% of the total house purchase, he can apply for a mortgage loan, and then he can have assets to mortgage or a stable income to repay.

3, individual housing portfolio loans to buy a house:

The maximum amount of provident fund loans issued by the Housing Provident Fund Management Center is 65,438+00-290,000. If the purchase amount exceeds this limit, you can consider using a portfolio loan, that is, borrowing the insufficient part from the bank in the form of commercial loans. Portfolio loan has moderate interest rate and large loan amount, which is very popular among many borrowers.

Summary: The above is about how many years a 47-year-old mortgage can be borrowed and what are the loan methods. I hope I can help my friends in need. If you need to know more in the future, please pay attention to Qijia. com。

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I am 43 years old today and want to buy a house with a loan. How many years can I keep it?

27 years.

First of all, the longest mortgage is 30 years, but the sum of the loan period and the applicant's age cannot exceed 70 years old. You are 43 years old, and the longest loan period is:

70-43 = 27 years old

Of course, although the longest loan period is 27 years, you should comprehensively consider the final loan period according to the amount of the loan, your own income, family living expenses and so on. Although the long-term monthly repayment pressure is relatively small, the interest on the total repayment will be higher and higher.

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