1. Retirees want to borrow money to buy a house, and banks need to see if retirees have pensions.
2. It depends on whether the loan age meets the loan conditions. In general, the loan age will be set at 18 to 60 years old. Although some people are retired, they still meet the loan age. Some banks even extend this rule to 18, 65 years old.
In addition, it depends on the family situation. If the family is harmonious and the children's income is relatively high, then the probability of getting a mortgage will be higher.
How much can a retirement loan borrow to buy a house? After retirement, if there is a loan limit, the specific loan amount depends on the regulations of each bank. Generally, the highest proportion of loans for 60-year-olds should be around 60%. Suppose the total house price is 500,000 yuan and the maximum loan is 300,000 yuan, but the specific loan amount depends on the personal situation of the elderly, such as their financial situation and family conditions. If the elderly still have the ability to work, have a very sufficient source of income, and the income of their children at home is relatively high, then the loan amount will be relatively large.
What should I do if I didn't pay back the house loan last month? Will be sued by the bank, the house will be taken away by the bank for auction. The house bought by the loan is not entirely your own, only the down payment is your own money, and the other 70% is money borrowed from the bank, which needs to be returned to the bank every month. If the loan is not paid, the bank will take the house away and auction it to make up for the loss. In addition, it is a great loss for individuals, and there will be bad repayment records in personal credit information.
The above is the answer about how retirees can borrow money to buy a house. You can find immediate family members or children with repayment ability as collateral, or you can find bank loans with looser policies.