Question 1: How many years can a housing loan generally be borrowed? Generally speaking, if the bank thinks that it can lend you a loan, it will subtract your actual age according to your retirement age, and the remaining figure is the number of years you can borrow, which is not more than 30 years in principle. The reduction is through balloon loans, which should increase the loan term. In general banks, men retire at the age of 60 and women retire at the age of 55. Every bank has specific regulations, which is not bad.

I hope this helps.

Question 2: How many years can a house loan last? You can do it for 30 years at most.

The conditions for mortgage loan are as follows:

1,18-a natural person aged 65;

2. Hold a valid ID card;

3. Good credit information and no bad records;

4. Have a stable job and a stable income;

5. Commercial housing sales contract or letter of intent with the purchased house;

6. Have the ability to pay the down payment of the purchased house;

7. Open a personal settlement account in a bank with effective guarantee;

8. Other conditions stipulated by the bank.

Question 3: How long the mortgage loan can last depends on the age of the lender? Men are 65 years old and women are 60 years old. Many public banks will be stricter. Men are up to 60 years old and women are up to 55 years old, so if you want long-term loans, choose private banks. For example, if someone buys a house at the age of 40, depending on the age of the lender, the longest commercial loan can last 65-40=25 years, and the longest male is 65 years old. Men are up to 60 years old and women are up to 55 years old, so if you want long-term loans, choose private banks. For example, if someone buys a house at the age of 40, the maximum commercial loan can be 65-40=25 years.

Question 4: How many years can I borrow a housing loan? At present, China Merchants Bank provides "first-hand property" and "second-hand property" housing loans. First-hand building: the longest loan/credit period does not exceed 30 years; Second-hand building: the longest loan/credit period is not more than 30 years, the building age of the shopping industry (referring to the completion year of the property) is generally not more than 20 years, and the longest mortgaged property is not more than 40 years in principle. The specific time limit you can apply for requires you to submit relevant information, which will be determined by the handling bank after comprehensive examination and approval.

Question 5: How much can a commercial loan be borrowed? How many years can I keep it? 1. The average borrower's term of commercial loans is between 20 and 60 years. Some lending institutions can also lend before 65, depending on the amount and purpose of your loan.

2. The amount of commercial loans.

It mainly depends on the purpose of the borrower's commercial loan, whether it is a housing commercial loan or something else. If it is a commercial housing loan, the maximum loan period is 30 years, and the loan amount is determined by the value of the house.

Question 6: How much and how long can a mortgage loan be borrowed? The minimum down payment is 30% for the first set, 70% for the second set and 60% for the second set.

The longest loan period is 30 years, but it is related to the age of the house and the age of the borrower.

Question 7: How many years can a second-hand house be loaned? Second-hand housing loan life: the sum of ordinary housing service life and loan life shall not exceed 30 years, and the sum of other housing service life and loan life shall not exceed 20 years (and the loan life shall not exceed 10 year); The sum of the loan term and the borrower's actual age shall not exceed 65 years old.

Second-hand housing mortgage loans have these restrictions:

Property right certificate: the commercial house that has obtained the property right certificate, or the commercial house that can immediately obtain the property right certificate and live;

Age of the house: no more than 20 years for ordinary houses and no more than 15 years for other properties;

Loan ratio: 80% for ordinary housing and 60% for other properties;

The choice of interest rate varies from person to person: people with stable income and high monthly income can consider choosing a fixed interest rate because it will not be affected by interest rate hikes in the future. However, if you are a class with stable job but low income, such as teachers, university professors, civil servants, etc. It is suggested to choose floating interest rates, because they are high-quality customers among bank loan customers and can enjoy preferential interest rates, so floating interest rates are more favorable.

Proof of income and repayment ability: banks will require borrowers to provide proof of income when issuing loans. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time, and the bank can also approve it after meeting the conditions. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference.

Special reminder, some second-hand houses cannot be loaned, such as relocated houses, resettlement houses, public houses, enterprise houses, small property houses and other second-hand houses with incomplete property rights certificates cannot be loaned. When choosing a house, you must pay attention to whether the house has a property right certificate.

Question 8: How long can commercial loans last? 30 years at most.

Question 9: You can borrow a car loan for a few years at most. There are two ways to apply for a car loan: personal credit loan to buy a car (without mortgage or guarantee, you are generally required to have good credit and stable work income), or real estate mortgage loan to buy a car (using real estate as collateral). Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate mainly depends on your loan type and your personal qualifications to determine the loan conditions:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Application materials:

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

Question 10: How many years can I borrow a house loan? The longest loan is 30 years.

How many years can I borrow a personal loan?

Generally, the longest loan period of personal loans is 30 years, and the loan period is different according to different loan types. For example, personal housing loans can last for 30 years, and personal car loans can last for 5 years.

：

1. The sum of the service life of second-hand houses and the loan life cannot exceed 30 years.

2. The age of second-hand houses cannot exceed 15 years.

3. The maturity date of the loan cannot exceed the maturity date of the land use.

4. The sum of the loan term and the borrower's age shall not exceed 60 years old. It is worth noting that the above four provisions on loan term must be met at the same time.

In other words, the longest loan term must meet the above four conditions at the same time.

According to the length of the loan period, loans can be divided into short-term loans and medium-and long-term loans.

1, short-term loans with a term of 1 year or 1 year (temporary loans for more than 3 months and less than 6 months) are characterized by short term, low risk and high interest rate. They are usually issued in the form of "borrowing" and are mainly used to meet the needs of borrowers for short-term funds.

2. Medium-term loans with a term of over 1 year (excluding 1 year) and less than five years (including five years) are characterized by long term, high interest rate, poor liquidity and high risk.

3. Long-term loans are loans for more than 5 years (excluding 5 years).

Principles for determining the loan term and grace period:

In the process of loan evaluation, the term and grace period of the project loan shall be determined according to the following principles.

(1) It meets the regulatory requirements.

If the regulatory authorities clearly stipulate the loan term, the loan term must comply with the regulatory provisions when the bank and the customer agree.

(B) the upper limit of loan term control

The appraisers should reasonably design the financing structure according to the control index of the upper limit of the loan term, and agree on the source of debt repayment funds with the customers, and shall not arbitrarily break through the upper limit of the loan term.

(3) Calculate the term according to the solvency.

The length of the loan term (including grace period) should be based on the agreed source of repayment funds, predict the annual repayment cash flow, and calculate the loan term and grace period by meeting the prescribed repayment coverage. If the loan term and grace period calculated according to solvency cannot meet the requirements of this manual, the source of repayment funds must be re-agreed or the financing structure must be redesigned.

(4) Take short and don't take long.

If the loan term calculated by solvency is lower than the upper limit of the loan term, the loan term calculated by solvency shall prevail in principle.

Most teenagers with the longest loan period

Everyone knows more or less about housing loans. When handling housing loans, we can usually choose three loan methods: commercial loans, provident fund loans and the combination of the two. So what is the longest term of these three kinds of housing loans?

1. If the borrower purchases a house, the longest loan period shall not exceed 30 years; If the borrower purchases a commercial house and a "commercial-residential dual-use house", the longest loan period shall not exceed 10 year. The loan period of housing provident fund is extended for 5 years, and men can borrow to 65 years old and women can borrow to 60 years old; Some ordinary banks can lend commercial loans to men up to 70 years old and women up to 65 years old.

How to stipulate the term of commercial loans?

2. The specific loan period should be calculated according to the individual's age (male: no more than 65 years old, female: no more than 60 years old. For example, if a man is 54 years old now, his longest loan period can only be 1 1 year. 65-54= 1 1。 Others are discussed in turn. ), and the longest loan period of each bank is different. The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years.

3. How to stipulate the loan term of individual housing provident fund? The longest loan period of housing provident fund shall not exceed 30 years, and the borrower's age shall not exceed the national statutory retirement age, that is, men shall not exceed 60 years of age and women shall not exceed 55 years of age. If both the loan applicant and the spouse meet the conditions for applying for housing provident fund loans, the loan term can be calculated according to the party with longer remaining working years.

4. How is the term of portfolio loan stipulated? The term of provident fund loans and commercial loans in portfolio loans must be the same, and the longest loan term stipulated at the same time should not exceed the statutory retirement age (the longest loan term of commercial housing is 30 years; The longest loan period for private property transfer houses and auction houses is 20 years.

Therefore, when choosing a housing loan, we must pay attention to whether the selected loan is in line with our actual situation. Whenever, we should pay more attention to the loan work.

How many years of mortgage can I borrow at most?

First, the loan term.

1, the longest term of individual housing loan is 30 years, and you can choose 20, 15, 10, 5 years, etc.

2. The longest term of personal commercial housing loan is 10 year;

3. Men under 60 years old and women under 55 years old.

Second, the basic provisions of housing loans

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

3. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (built or overhauled).

4. Loan term: up to 30 years.

5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

6. Repayment method: entrusted deduction and counter repayment.

7. Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term exceeds 65,438+0 years, the method of equal principal and interest and average capital repayment can be adopted.

8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.

Three, apply for a loan should be submitted to the information:

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6. Other documents and materials specified by the lending bank.

How many years can bank loans last?

Depending on the type of loan, the loan term is also different:

1. Mortgage: Generally speaking, the term of mortgage loan shall not exceed 30 years, and the sum of the borrowers' ages shall not exceed 65 years. Each bank in each region may be different, and borrowers can consult bank staff.

Two, personal consumption loans, divided into the following two situations:

1, long-term loans, usually borrowers can borrow for several years according to their actual needs, such as three to five years, and banks will also set a maximum term according to the qualifications and reputation of borrowers. If the borrower prepays, it may have to pay liquidated damages;

2. Short-term loans, as long as the borrower authenticates personal identity information and obtains a certain amount, can be repaid with the loan within the time limit, and the interest will be calculated on a daily basis.

How many years can a mortgage last?

Mortgage loans can last as long as 30 years. The mortgage rate of commercial housing can reach up to 70%; The mortgage rate of office buildings and shops can reach up to 60%; The mortgage rate of industrial plants can reach up to 50%; , the longest period can reach 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.