When buying a house, more and more people apply for provident fund loans, but they don't know much about some specific terms, such as whether there is an age limit for loans and so on. The specific provisions are as follows: According to the relevant provisions of individual housing provident fund loans, if only one of the husband and wife normally pays the housing provident fund, the maximum loan amount is 6.5438+0.5 million yuan; If both husband and wife pay the housing provident fund, the maximum loan amount can reach 300,000 yuan, but it shall not exceed 70% of the total purchase price; In addition, the longest loan period is not more than 30 years, the borrower's final repayment period is not more than 65 years old, and the loan period of 6.5438+0 million yuan is generally 1 year. For example, when a 53-year-old citizen applies for a provident fund loan, he only pays the housing provident fund normally, and the maximum loan amount is only 6.5438+0.2 million yuan. Another example is a young couple who bought a house with a total price of 400,000 and wanted to apply for a provident fund loan. Although both parties have paid the housing provident fund normally, the total loan amount can only reach 280,000 yuan at most.

2. What are the restrictions on the mortgage age?

In China, the age limit for this kind of loan is 18, with the maximum age of 60 for men and 55 for women. Any legal citizen who has been appointed as a cadre at or above the division level for five years can! \ Personal household registration, identity certificate, income certificate of both husband and wife (1/3), marriage certificate of married/single certificate provided by the police station where the household registration is located, the latest foreign-funded preferential list or salary table) \x All the above materials are provided to the bank. The conditions of personal small working capital loan are as follows: letter of intent for the project \x00d, certificate of legal representative, mortgage or pledge, commitment letter of guarantee unit or individual, financial statement (balance sheet, income statement) of notarization machine \ x \ Commercial loans are limited by age and years, and the longest loan for men is 65 years old and the longest loan is 30 years. And the monthly repayment amount cannot exceed 50% of your income, and the bank should

3. What is the maximum age limit for buying a house in Jinan?

There is no age limit for buying a house, but minors need guardians to buy it on their behalf.

According to Article 14 of the Measures for the Registration of Houses, the houses of minors shall be registered by their guardians. Where a guardian applies for the registration of a minor's house on his behalf, he shall submit materials to prove the identity of the guardian; Where an application for registration and disposition of a minor's house is made, a written guarantee of the interests of the minor shall also be provided.

4. Is there an age limit for buying a house with a loan?

There is an age limit for buying a house with a loan, generally 18 years old. Different banks may have special provisions, depending on the provisions of the lending bank. According to relevant laws and regulations, adults are persons with full capacity for civil conduct and can independently carry out civil legal acts. /kloc-Minors over 0/6 years old whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct. Personal mortgage application needs to meet the following conditions: 1, age 18 or above and 65 or below; A natural person with legal and valid identity certificate, residence certificate, 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 years old; 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. Housing loans can be obtained if the age limit in the processing conditions of housing loans is within 18-65. Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender.