There is no fixed general repayment period for buying a house with a loan, usually twenty or thirty years. Because of the loan period, the longest loan period for first-hand houses is 30 years, and the longest loan period for second-hand houses is 20 years. At the same time, the loan period plus the applicant's age must not exceed 70 years old. But you can check according to your actual situation. How many years do you want to keep it?

What materials do you need for a bank loan to buy a house?

1, mortgaging a house requires a lot of formalities. First, you must have the buyer's ID card. In addition to the original account book of the buyer, there are also six copies of these documents.

2. mortgage to buy a house needs to prepare the original marriage certificate and give others a copy.

3. You need loan qualification when you are in mortgage to buy a house, so you need to prepare your original income certificate when you buy a house. In addition, if there is no unit, you need proof from the relevant departments in your community or area. Marriage requires the documents of both husband and wife.

4. In addition to the above documents, you need to prepare a bank statement for at least half a year. Generally, it needs more than twice the monthly payment, and can provide materials such as driving license and stocks that can prove the repayment ability, which is convenient for banks to check and verify.

5. Need to apply for the property certificate of the place where the house has been purchased. When applying, you can go to the Housing Authority in your area. The Housing Authority will generally issue a certificate soon after verification.

6. Finally, it is necessary to provide some proof of the down payment for the house purchase for the banking department to check and use.

Factors affecting the lending speed of housing loans

1. Different lending institutions: different lending institutions have different loan time. If buyers choose to borrow from banks, banks will lend more slowly. If the lending institution is a lending company, the lending speed will be faster.

2. the timing of applying for a loan is not appropriate: you should choose the right time to buy a house, and the same is true for applying for a mortgage. If buyers want to get loans faster, they should choose when the banking economy is relatively well off. If the borrower happens to meet the shortage of bank funds when applying for a loan, the loan time will be delayed accordingly.

3. Incomplete loan information: Loan information is very important for buyers. When buyers apply for loans, if the information is fully prepared, then the bank lending time is relatively fast. If property buyers make mistakes in preparing loan information when applying for loans, it will also affect the approval speed of bank loans.