Bank of China and Industrial and Commercial Bank of China. Houses over 40 years old can be divided into two categories according to the classification of mortgage loans, one is with bronze medal, and the other is without bronze medal.

1, houses with bronze medals generally refer to historical buildings that can reflect the style of Shanghai and have no land use years. Many banks can apply for mortgage loans to buy such properties, and a large number of Chinese and foreign banks, such as China Bank, China Construction Bank, China Everbright and Dahua, can accept them. The first set generally does not exceed 60%, and the loan period generally does not exceed 20 years.

2. If you don't hang the bronze medal, there are few banks that can handle the mortgage, and generally only ICBC and CCB are recommended to accept it. Among them, ICBC implemented a loan policy with a maximum loan period of 70 years. In principle, houses within 69 years can be held. But in practice, there are great differences between branches. Some ICBC branches and loan officers have only worked for less than 40 years, and mortgages for more than 40 years generally have many requirements for school districts, amounts and qualifications of borrowers.

What is the loan period of Shanghai provident fund? The specific regulations are quite complicated!

In China, housing accumulation fund has become an important tool for many families to buy houses. In the magic capital of Shanghai, many people pay special attention to the loan period of provident fund to plan their own loan plans. Today, I would like to introduce the loan life of Shanghai Provident Fund for your reference.

Judging from the regulations published by Shanghai Provident Fund Management Center, the term of new house loan is relatively fixed, while the term of second-hand house loan is more complicated. Details are as follows:

1. The maximum term of provident fund loan for purchasing new houses shall not exceed 30 years.

2, the purchase of second-hand housing is divided into three situations:

(1) If the age of the second-hand house is less than 5 years, the longest loan period of the provident fund shall not exceed 30 years;

(2) The age of the second-hand house is between 6- 19, and the loan period of the provident fund does not exceed the difference between 35 years and the age of the house;

(3) The age of the second-hand house is equal to or more than 20 years, and the longest provident fund loan shall not exceed 15 years.

In addition, it should be noted that regardless of the purchase of new commercial housing or second-hand housing, the term of provident fund loans cannot exceed 5 years after the borrower's statutory retirement age.

The above is the stipulation of Shanghai Provident Fund Management Center on the loan term. You can simply estimate how many years you can apply for a loan according to your actual situation.

Shanghai's second home loan policy

1. natural person with age 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed), and the actual operating age should be between 22 and 65 years old. Too young or too old to be approved. 2. The borrower's actual age plus the loan application period shall not exceed 70 years old. 3. The longest loan period shall not exceed 30 years, and the longest loan period for commercial housing shall not exceed 10 year. 4. Both rural hukou and collective hukou can apply for housing mortgage loans. The down payment for the first commercial house with the first home loan (with a property right of 70 years) is 20% (20%) of the total purchase price or assessed value (whichever is lower). The down payment for commercial real estate (40-year or 50-year products) is 50% (50%) of the total purchase price or the appraised value (whichever is lower). A family with a second home loan consists of three kinds of people, i, spouse and minor children. As long as a family has an outstanding mortgage, it is called a second loan to buy a house. In order to improve their living conditions, a pair of families who own/kloc-0 apartments and have settled the corresponding housing loans apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy. In the second case, households that already own a commercial mortgage loan 1 apartment and the corresponding housing loan has not been settled, in order to improve their living conditions, apply for a commercial personal housing loan again to buy ordinary self-occupied housing, and the minimum down payment ratio is adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability. Reminder: If you buy a second-hand house, you need to evaluate the house purchased before the loan, and the evaluation value will be lower than the market transaction price, so the specific amount of down payment shall be subject to the price of the evaluation value. Provident fund loan 1 housing households, in order to improve their living conditions, apply for provident fund loan again to buy ordinary self-occupied housing, and the minimum down payment ratio is adjusted to 20%. Beijing, Shanghai, Guangzhou and Shenzhen can independently stipulate the minimum down payment ratio of the second set of provident fund loans. Reminder: There are restrictions on the maximum loan amount of provident fund loans in various regions. For example, the maximum loan in Beijing is 1.2 million. Therefore, in the calculation of down payment, it is necessary to make a comprehensive judgment according to the specific loan amount. At the same time, if the loan amount is not enough, cities that can use provident fund portfolio loans, it is best for everyone to buy a house by means of provident fund portfolio loans. Third home loan banks and provident fund management centers do not accept third home loans.

How long is the loan period of Shanghai provident fund?

1. Under normal circumstances, the first suite can apply for a provident fund loan for up to 30 years.

2. The provisions on second-hand housing provident fund loans are relatively strict, and the longest loan period of second-hand housing provident fund loans with a house age of 5 years or less is still 30 years.

3. The second-hand housing provident fund loan with the age of 6 to 19, the longest term is the difference between 35 years and the age of the house; The second-hand housing provident fund loan with a house age of more than 20 years, the longest loan period shall not exceed 15 years.