Of course. The sum of the applicant's age and the loan period shall not exceed 70.
Application conditions
1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;
2. The sum of the applicant's age and the loan period shall not exceed 70;
3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;
4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;
5. There is a valid guarantee recognized by the handling bank;
6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;
7. Other conditions stipulated by the handling bank.
Extended data:
Quota, term and interest rate
1. If you apply for a loan to purchase an ordinary self-occupied house for the first time, the maximum loan amount shall not exceed 80% of the net value of the collateral. Specific loan ratio policies can be consulted with local branches.
2. The longest loan term shall not exceed 30 years, and the loan term plus the borrower's age shall not exceed 70 years.
3, the first time to apply for a loan to buy ordinary self-occupied housing, the loan interest rate is not less than 0.7 times the benchmark interest rate of the corresponding grade announced by the People's Bank of China. In other cases, the loan interest rate shall be implemented within the benchmark interest rate of loans of the same grade published by the People's Bank of China and the corresponding floating ratio. Please consult your local branch for specific interest rate implementation policies.
Loan repayment method
For individual housing loans with a term of less than 1 year (inclusive), the principal and interest will be repaid in one lump sum at maturity, and the profits will be paid off with the principal; You can also calculate the monthly (or quarterly) interest and settle the loan principal and interest at maturity.
Individual housing loans with a term of more than 1 year can be repaid with equal principal and interest repayment method, average capital repayment method and other methods recognized by Industrial Bank.
Repay the loan in advance
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, it is normal to call or ask in writing.
Keep my ID card and loan contract in the bank. As the trustee, the cashier should take good care of the real estate license, settle other debt certificates that confirm the pledge in the bank, and 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.
First, don't forget to surrender the loan in advance.
When the lender handles the loan, the bank will cancel the pledge. Hefei Small Loan Bank has different requirements for prepayment, such as going through prepayment procedures.
Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank receives the loan. If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.
Second, we can't ignore the oath.
The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement confirmation, and the lender will plan after keeping the copy of the loan settlement confirmation issued by the bank and the original system of each bank.
Third, prepayment needs preparation.
At present, some banks will release the pledge by themselves. After the pledge is released, the lender himself needs to go to the bank to get a house book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.
Baidu encyclopedia-personal housing loan
Can a 47-year mortgage be loaned for 20 years?
When a male user applies for a mortgage at the age of 47, he can apply for a loan of up to 13 years, while a female user can only apply for a mortgage of up to 8 years at the age of 47. According to the regulations, the lender's loan age+loan period shall not exceed the specified number of years, that is, the sum of the male lender's age and loan period shall not exceed 60, and the sum of the female lender's age and loan period shall not exceed 55.
However, because the regulations of each bank are different, and the age of the house will also affect the loan period, whether the 47-year-old user can borrow for 20 years is subject to the final audit results of the bank.
How many years can I borrow a 47-year mortgage?
Calculate how much it will cost to decorate your home.
With the higher and higher housing prices, the age of buyers is gradually increasing, and many friends didn't start buying houses until they were 40 years old. Now there is a certain age limit for bank loans to lenders. So, how many years can you borrow a 47-year mortgage? Today, Bian Xiao will talk to you about the age of mortgage.
How many years can I borrow a 47-year mortgage?
According to the relevant regulations of the bank, the maximum age for male loans is 60, and the maximum age for female loans is 55. In other words, the loan term+the number of years at the time of handling shall not exceed the specified number of years. Therefore, a 47-year-old man can get a mortgage of 13 years; A 47-year-old woman can get a loan for eight years.
Second, how many years is the mortgage loan suitable?
1, the mortgage is not as much as you want to borrow, it will depend on personal income and so on. The same is true of the loan term. The basic requirement is not to let the quality of family life drop too much. Therefore, the monthly payment should not exceed half of the monthly income, but should be controlled within 30% as far as possible. If the proportion is too high, the impact on life will be too great.
2. If the family's economic situation is not very affluent or optimistic, the loan period can be longer, which can give yourself a good buffer and transition period. Choose the one with the longest repayment period, so that the monthly repayment pressure will not be particularly great and the impact on family life will be relatively small. Now the bank also has regulations that there is no extra charge for early repayment.
3. For loans for the elderly, it is impossible for people over 40 to borrow for 30 years, so everyone must determine their economic strength and choose a reasonable loan period before buying a house.
Summary: The above are all about how many years a 47-year-old mortgage can be borrowed. If you use provident fund loans, the interest is much lower than that of commercial loans, and you can extend the loan period to deal with subsequent emergencies.
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