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.

Can I get a loan for a house in the countryside?

Of course.

Rural housing loans are loans to individual industrial and commercial households and natural persons with full civil capacity in the county to build houses.

The object and conditions of rural self-built housing loans:

/kloc-a domestic resident aged 0/8-60 with full capacity for civil conduct. The domicile or production and business premises of the borrower shall be within the service area of the Association.

Basic conditions for applying for rural housing loans:

(a), the borrower to apply for a loan to build a house, need to be approved by the local rural construction department, in line with the local development plan.

(2) The borrower shall provide the approval documents or certification materials of the rural construction department.

(3) The borrower must have a proportion of its own funds not less than the specified amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the loan principal and interest on schedule.

(3) The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or can use effective assets as collateral.

(four) the borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept the credit supervision and settlement supervision.

Information required for applying for rural housing loan:

(a) the identity card, household registration certificate and marriage certificate of the borrower and his family members.

(two) the use of housing loans.

(3) Basic information of the guarantor and relevant certification materials, and valid certification materials such as the property right of the mortgaged property.

(4) Other materials provided by rural credit cooperatives.

Rural self-built housing loan amount:

The amount of rural housing loans should be determined according to their own operating conditions, income levels and credit levels. , generally not more than 50% of the total housing funds.

Rural self-built housing loan period:

The term of rural housing loan should be reasonably determined according to the borrower's own operating conditions and income sources, and should be controlled within five years in principle. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the benchmark interest rate.

How old is the loan amount of rural credit cooperatives?

There are no relevant documents on the loan period of rural credit cooperatives, but in Hangzhou, for example, most banks in Hangzhou stipulate that the longest mortgage can reach 65 years old, and a few banks can reach 70 years old. Take a 60-year-old homebuyer as an example. If the loan reaches the age of 65, the mortgage period can only be applied for 5 years at the longest; If you are 70 years old, you can only apply for 10 years at the longest.

Because the income of the elderly is limited, and the probability of illness increases greatly with the growth of age, the repayment ability will also decline year by year. A "relay loan" product of a bank in Hangzhou has a maximum loan period of 30 years. That is, two generations of parents and children relay repayment.

The qualification examination of the loan applicant will be stricter, and at the same time, it is required that the designated child is * * * co-borrower, and both the lender and * * * co-borrower must have repayment ability. Once the lender loses the repayment ability, his daughter will bear the corresponding repayment obligation, so she can only approve very high-quality customers.

Extended data:

There are no specific documents for bank or credit cooperative loans. However, the older the borrower is, the shorter the application period is, and it is easy to be "rejected" by the bank, which is also an important factor affecting the mortgage period. According to the regulations of most banks, the borrower's age plus the loan period cannot exceed 65 years. Among them, the longest mortgage term is 30 years, so the younger the borrower, the longer the loan term.

There is also the stronger the repayment ability, the shorter the loan period. And have a stable job, the bank will take the initiative to advise them to choose short-term loans; If the borrower's income is not very high and his repayment ability is not strong, the bank will give him a long-term loan to relieve his repayment pressure, which is also a measure to ensure the smooth recovery of the loan.