First, there are loan products that can be repaid at the end of the loan period. But this kind of loan is a commercial loan (provided that there is a commercial company under its name and it can be packaged if the amount is large). For example, the loan period is 3 years. The principal can be repaid after three years, but the interest needs to be repaid every month or quarter within three years. Compared with the monthly payment, the repayment pressure in the middle is less.
Second: Mortgage real estate banks generally fail to invest, so you can make another excuse. For example: buy valuables, such as antiques. However, purchase and sale contracts are required, and some even require invoices.
Third: to meet the first requirement, you can only borrow for 3 to 5 years. Otherwise, the longest time can be 10 years.
Fourth: Revolving loan means, for example, a loan with a credit line of 10 years. You can apply after ten years, and you don't have to bother to re-register the mortgage.
2. How long can the bank loan last?
The longest bank loan can't exceed 30 years.
Ordinary ordinary loans, the longest term is 3 to 5 years. The longest term of renovation loan cannot exceed 10 year. The longest term of housing commercial loans can not exceed 30 years, and the sum of loan years and loan years can not exceed 70 years.
Bank loan refers to an economic behavior in which banks issue loans to borrowers at a certain interest rate and stipulate the loan term according to national policies. General application requires proof of supply income, identification and good personal credit information.
What is the longest loan term for a 50-year-old borrower?
According to relevant regulations, the maximum age limit for male borrowers is 65 years old, and the maximum age limit for female borrowers is 60 years old. The sum of the loan age and loan term cannot exceed 65 years old. Therefore, the answers to the above questions are as follows: if the borrower is male, the longest loan period is 15 years if he is over 50 years old; If the borrower is female, the longest loan term is 10 year (subject to the maximum age limit).