Never too old, never too old!
Recently, the news that a bank in Chengdu "can lend personal housing loans under the age of 85" caused heated discussion among netizens.
You know, before this, the mortgage can only be loaned to 75 years old.
The repayment age of Bank of China's New Deal mortgage in Chengdu was relaxed to 85.
Recently, a loan policy document of Chengdu China Bank High-tech Sub-branch flowed out. The document is clear: individual housing loans, pure commercial loans can be lent to men and women up to 85 years of age, and the longest loan is 30 years. If you choose a provident fund portfolio, men can borrow until they are 65 years old and women are 60 years old.
Judging from the new policy of Bank of China in Chengdu, the term of provident fund loans is five years after the statutory retirement age, which is basically implemented throughout the country.
Surprisingly, pure commercial loans can be lent to the age of 85. In the view of banks, the older the buyers are, the greater the risk of health problems and unemployment, and the repayment ability is greatly reduced.
Therefore, it is also a loan risk control measure for banks to limit the age of borrowers. For some buyers with poor qualifications, the bank will even try to control the repayment time of the applicant at the retirement age.
Previously, most bank mortgage restrictions "age+loan years" did not exceed 70 years old.
For example, if the borrower is 55 years old and the sum of age+loan period is less than 70 years, then the borrower can only borrow 15 years.
Chengdu Bank of China High-tech Sub-branch can still apply for a 30-year mortgage at the age of 55, but it only needs to be paid off at the age of 85 (no need to repay in advance).
Netizens discuss whether the mortgage should be repaid after the death of the fierce lender.
After the release of this policy of Bank of China in Chengdu, it caused a heated discussion among netizens. Some netizens ridiculed: sitting in a wheelchair, I have to repay the loan; If you live long, you can repay the loan with dignity!
Some netizens said: Repay the loan with your grandson. ...
Some netizens even said: The first consideration is whether you can live to 85 years old, but the policy is really good.
Some netizens also sent a soul torture. "The mortgage has not been repaid yet. What should I do if the repayment person dies?" "To this, a lawyer made the relevant answer:
1, has an heir and is willing to inherit.
The house is inherited by the heir, but the heir has to bear the outstanding loan of the house, otherwise the bank can apply for mortgage of the house.
2. The heir has no repayment ability, or gives up inheritance.
In this case, the house will be auctioned by the bank, and the proceeds from the auction will be used to repay the loan. If there is still a balance after the loan is repaid, the balance belongs to the heir.
3, no one inherits, it is necessary to see if there is a property certificate in the house.
If it is not handled, the house is regarded as owned by the developer, and the developer needs to continue to repay the loan.
If the house has been certified, the bank has the right to handle and auction it. If the proceeds from the auction are still unable to pay off the loan, the remaining debts will not be investigated.
To adapt to the population development trend in China, the longest loan in Shanghai is now 75 years old.
The reason and significance behind Chengdu Bank of China's raising the upper limit of mortgage age to 85 is worthy of attention.
Some insiders believe that the main reason for banks to raise the age limit for lenders is to actively adapt to China's population development trend and meet the housing improvement needs of middle-aged and above residents.
On the one hand, the aging population in China is becoming more and more serious.
According to the calculation of the National Health and Wellness Committee, by 2035, the proportion of elderly people aged 60 and above will exceed 30%, and they will enter the stage of severe aging.
Source: National Bureau of Statistics.
As the age of bank mortgage repayment is relaxed to 85 for the first time, it means that China's gradual delayed retirement is no longer just talk.
Especially after 80' s and 90' s, it is bound to be affected by delayed retirement, and the working hours in the future will be longer than now.
On the other hand, in recent years, the average life expectancy in China has been increasing.
According to the statistical bulletin of health development in China in 20021year, the average life expectancy in China increased to 78.2 years in 20021year.
In addition, the National Health Plan of the 14th Five-Year Plan released by the State Council this year points out that in 2035, the average life expectancy in China will reach over 80 years.
For people who buy houses over middle age, relaxing the age limit of loans can better reduce the pressure of buying houses and meet the demand for improvement.
In June+10, 5438, Chengdu began to relax the mortgage age to 85, becoming the first city in China to eat crabs. Of course, Chengdu is definitely not the last one.
Finally, Bian Xiao also reminded everyone that although more and more banks are relaxing the age limit, the longest loan can reach 75 years old or even 85 years old, but they still have to make reasonable loans according to their repayment ability.