You can choose provident fund loans or commercial loans. The provident fund is paid by the employer and myself, and the loan interest rate is low; If there is no provident fund, then you can only choose commercial loans, and the property you buy is collateral.

Due to different policies in different regions, there are some differences in commercial loans.

The general requirements are:

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old;

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

5. Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses;

6. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.

Information to be provided by the borrower:

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

I'm Dapeng, the customer service staff in the special car room. I hope my answer can help you.