The loan term of individual commercial housing must meet the following conditions at the same time: 1, and the longest loan term of individual commercial housing is 10 year. Where there are stricter provisions in relevant laws, regulations, regulatory provisions or national policies, those provisions shall prevail; 2 individual commercial housing loan period shall not exceed the remaining use period of construction land occupied by collateral; 3. Personal second-hand commercial housing, the sum of the loan period and the age of the house shall not exceed 30 years in principle (including office space not exceeding 20 years); 4. The sum of the loan term and the borrower's age shall not exceed 65 years old in principle, and the middle and high-end customers who meet the requirements of BOC may be extended to 70 years old. Due to differences in business in individual regions, please consult local outlets for details. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
2. What is the longest mortgage loan for commercial housing?
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 borrower's age plus the loan period shall not exceed 70 years at the longest.
Three, commercial housing mortgage loan period is generally how many years?
The loan term of individual commercial housing shall meet the following conditions:
1. The longest term of personal commercial housing loan is 10 year. Where there are stricter provisions in relevant laws, regulations, regulatory provisions or national policies, those provisions shall prevail;
2 individual commercial housing loan period shall not exceed the remaining use period of construction land occupied by collateral;
3. Personal second-hand commercial housing, the sum of the loan period and the age of the house shall not exceed 30 years in principle (including office space not exceeding 20 years);
4. The sum of the loan term and the borrower's age shall not exceed 65 years old in principle, and the middle and high-end customers who meet the requirements of BOC may be extended to 70 years old. Due to differences in business in individual regions, please consult local outlets for details.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.