Legal analysis: according to the current law, the house bought by retirees in full can be mortgaged to the bank for loans.

Legal basis: Civil Code of People's Republic of China (PRC).

In the third performance, if the debtor or the third party fails to transfer the possession of the property, and the debtor of the property fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be compensated in priority for the property. The creditor specified in the preceding paragraph is the mortgagee, and the property that provides guarantee is the mortgaged property.

(1) Buildings and other ground attachments that the third party has the right to dispose of; (2) The right to use construction land; (3) the right to use the sea area; (four) production equipment, raw materials, semi-finished products, ships and aircraft; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Second, can I mortgage my house after retirement?

There are certain requirements for this. Men under 65, women under 60.

Basic conditions for applying for a loan:

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

If you meet the requirements,

3. Can a retiree's house be mortgaged?

Legal analysis: according to the current law, the house bought by retirees in full can be mortgaged to the bank for loans.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

4. What is the latest policy for retirees to purchase housing loans?

Generally speaking, retirees have retired and cannot use provident fund loans to buy a house. Because according to the regulations on provident fund management, retirees can only withdraw provident fund, not mortgage. In the case that the provident fund loan cannot buy a house, only commercial loans can be made.

Loans will require borrowers to provide proof of income and proof of work, but retirees are unemployed and cannot produce this proof. In the eyes of banks, pension can only be used as the basic guarantee of life, but not as proof of income, which is not enough to support monthly payment.

Retirees can borrow money to buy a house. As long as you meet the loan conditions of the bank, the bank will evaluate the loan amount you can afford according to your actual situation, and then give you the corresponding amount.

First of all, look at whether the age exceeds the standard.

The first is the age limit. Generally, the age of the borrower is stipulated in general loan products, generally ranging from 22 to 60 years old, and some are relaxed to 65,438+08-65 years old. Beyond this age limit, too big or too small will be blocked from the loan door. The reason is that because of being too old, in addition to the weakening of earning ability and repayment ability, individuals also need to prepare certain health expenses. Undoubtedly, these factors will greatly reduce the repayment ability. Due to the risk of borrowing, retirees need to go through strict age threshold screening to apply for loans.

Second, see if there is a pension.

Some financial institutions have specially launched loan products for retirees, but in order to successfully apply for loans, in addition to meeting the age requirements, there is also a pension that cannot be ignored. Do you have a pension? How much is it? Will affect your loan application. Retirement pension is also an important proof to ensure repayment ability. Excluding the basic monthly expenses, the more you save, the stronger your repayment ability. For example, some financial institutions stipulate that the pension is not less than 2,000 yuan/month, which is a basic threshold. It's very difficult for people who are unemployed, have short working hours and have no pension.

Third, look for collateral.

Of course, in addition to the form of credit loans, you can also apply for mortgage loans. Assuming that you have something of value such as real estate or cars as collateral, you can also get loans. However, the procedures may be relatively cumbersome and the loan period will be longer.

After all, retirees are vulnerable groups in the field of loans, and it is easy to be refused to apply for loans. However, if you are old enough to receive a fixed amount of pension every month, it is not difficult to apply for a loan.

In addition to the above circumstances, retirees who want to buy a house by loan should take their children or their spouses as the owners of the house purchased, and both parents or one of them and their children are the same borrowers, and then apply for a mortgage from the bank. Moreover, the child's personal credit is good and it is feasible to have a stable job. For retirees, it is through the children who participate in the housing provident fund to make loans, withdraw the housing provident fund of retirees or repay the loan with pensions. However, buying a house in this way is very likely to cause problems between family members, so we still need to be cautious.

Therefore, it is ok for retirees to borrow money to buy a house, as long as they meet the conditions of the bank: they can borrow money to buy a house if they have certain economic conditions and age.