2. Term of commercial loan

Generally speaking, the longest loan period of individual housing loans of commercial banks is 30 years. If the borrower purchases a house, the loan term shall not exceed 30 years at the longest; If the borrower purchases a commercial house and a "commercial-residential dual-use house", the longest loan period shall not exceed 10 year; The term of each loan shall be determined by the commercial bank through consultation with the borrower according to the borrower's age, working years and repayment ability. However, the borrower's age plus the loan period shall not exceed 70 years at the longest. 2. The specific loan period should be calculated according to the individual's age (male: no more than 65 years old, female: no more than 60 years old. And the longest loan period of each bank is different. The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years.

3, individual housing provident fund loan period:

The longest loan period of housing provident fund shall not exceed 30 years, and the borrower's age shall not exceed the national statutory retirement age, that is, men shall not exceed 60 years of age and women shall not exceed 55 years of age. If both the loan applicant and the spouse meet the conditions for applying for housing provident fund loans, the loan term can be calculated according to the party with longer remaining working years.

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1, portfolio loan

The term of provident fund loans and commercial loans must be the same, and the stipulated maximum loan term shall not exceed the statutory retirement age (that is, 60 for men and 55 for women). The longest loan period for commercial housing is thirty years; The longest loan period for private property transfer houses and auction houses is 20 years.

2. Term of second-hand housing loan:

The sum of the service life of the second-hand house and the loan term cannot exceed 30 years; The age of second-hand houses cannot exceed 15 years; The maturity date of the loan cannot exceed the land use period; The sum of the loan term and the borrower's age shall not exceed 60 years old.

3. How many years is the loan suitable?

The question of "how many years of mortgage loan is appropriate" cannot be generalized, but should be discussed according to the different income and economic situation of buyers. Generally speaking, the longer the loan term, the less the monthly repayment amount; The shorter the loan period, the higher the monthly repayment amount. If the lender's income is stable and relatively high, it is suitable to choose short-term loans. The shorter the time, the less interest. For people whose high income is only for temporary turnover, this can save a lot of mortgage interest. For people with unstable income or low income, it is more cost-effective to lengthen the life span considering their own income problems.