There is really no age limit for buying a house. Some young people may buy a house to give their children a better family environment, and parents can rely on it. Old people buy houses for their own convenience and want to leave some properties for their children. There is really no age limit for buying a house. Some young people may buy a house to give their children a better family environment, and parents can rely on it. In order to facilitate their own lives, the elderly also want to leave some real estate for their children. But if you get older, you will be limited. So can the elderly buy a house to guarantee a loan for their children? What problems should the elderly pay attention to when buying a house?

Can the elderly buy a house to guarantee loans for their children?

Generally speaking, banks will not accept loans guaranteed by the children of elderly people who buy houses. First of all, from the perspective of the elderly, banks will not accept loans from the elderly over 60, because the elderly over 60 have basically retired, have no stable source of income, and have no corresponding repayment ability, so banks generally will not give loans to the elderly over 60.

Secondly, children can't take loans as guarantors, because according to the housing provident fund and commercial loan system, the sum of the lender's age and loan period can't exceed 65 years, and the longest loan period can't exceed 30 years. The age requirement that the lender needs to meet is generally a natural person aged 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed), but as different banks have different age requirements for the lender, the specific bank regulations shall prevail.

What problems should the elderly pay attention to when buying a house?

1, the floor is low, so you'd better choose 1-2, and the higher floor must have an elevator.

2. Try to choose a north-south transparent structure to ensure that the bedroom and living room face south or southeast.

3. Choose a house with good lighting and ventilation.

4. Try to choose a house with balcony, terrace or garden on the first floor.

5. The apartment area is appropriate, not too big, and the decoration structure is as compact as possible.

6. Ensure 24-hour hot water supply.

7. Warm colors should be used for decoration, and the bathroom and indoor floor must be non-slip.

8. The heating facilities in winter are reliable, so the municipal central heating mode should be chosen as far as possible, and auxiliary facilities such as heating, refrigeration and air conditioning should be provided to ease the transition period.

9, water, electricity, gas fees charged by the staff.

10, indoor sound insulation performance is good, try to choose buildings far away from the main road.

Is it okay to guarantee loans for the elderly and buy houses for children? What problems should the elderly pay attention to when buying a house? The above introduction is actually more detailed. Of course, loans can be secured through children, but the elderly should pay attention to the choice of floors when buying a house. In order to improve the comfort of living, lighting and permeability should be considered, and home decoration should be comfortable.