Recently, it was reported that some banks in Beijing relaxed the age limit for mortgage loans. On February 15, the Beijing News Shell Finance reporter interviewed a number of banks in Beijing and learned that banks have different regulations on the age limit for loans. Most banks indicated that they had not received any notice of adjustment. However, 70 years old is not the "red line" of all banks.
A related person from CITIC Bank Beijing Branch told the Beijing News Shell Finance reporter that the sum of the borrower's age and credit period under the bank's housing mortgage loan should not exceed 80 years at the longest. A branch of the Bank of Communications said that the current maximum mortgage age can reach 95, but it needs children's guarantee, and the borrower's pension and guarantor's monthly income can cover twice the monthly payment.
Many banks have not adjusted their policies, and some banks claim that they can lend conditionally until they are 95 years old.
"Our bank can lend for as long as 70 years." The staff of a branch of Bank of Beijing said that the bank's policy is that the borrower's age plus the loan period should not exceed 70 years old, and it has not received any notice from the higher bank recently.
Shell Finance reporter learned from relevant persons of China Construction Bank Beijing Branch that the bank has not yet received the notice of relevant policy changes. The account manager of a branch of China Construction Bank told Shell Finance that the bank's loan age requirement is that men should not exceed 65 years old and women should not exceed 60 years old. On this basis, you can apply for a loan of 10- 15 years, and the specific term should be judged according to the borrower's credit information and running water.
An interview with Shell Finance reporter learned that most banks in Beijing implement the policy of "purchase age+loan period" not exceeding 70 years old. However, individual banks have also relaxed the age according to the applicant's conditions.
A related person from CITIC Bank Beijing Branch told Shell Finance that the sum of the borrower's age and credit period under the bank's housing mortgage loan should not exceed 80 years at the longest. For two or more borrowers, the credit period shall be whichever is shorter.
The account manager of the personal loan center of Bank of Communications said in an interview with Shell Finance that the loan age of the bank should not exceed 65 years, and the longest loan period is 25 years, but it can only be loaned to 70 years at most. However, the account manager of another branch of Bank of Communications told reporters that the longest loan can be up to 95 years old, that is, the borrower of the bank is no more than 70 years old, and the longest loan period is 25 years. According to the account manager, this policy has not been adjusted recently.
The account manager explained that the implementation of this policy also has certain preconditions. If a 70-year-old borrower applies for a loan alone, the longest loan period is actually only five years. However, if there is a child guarantee, and the borrower's pension and guarantor meet the conditions that the monthly income can cover twice the monthly payment, the bank can appropriately relax the loan period to 25 years.
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"Generally speaking, the loan term plus the loan period cannot exceed.