The specific loan period should be calculated according to the individual's age, and the 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. 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. 1, borrower's age. 2. The age of the purchased property. 3. The economic strength of the borrower. It is understood that at present, both ordinary commercial loans and housing provident fund loans have been extended accordingly. 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. 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, now a man is 54 years old, and his loan term can only be 1 1 year. 65-54= 1 1。 Others are discussed in turn. ), and the 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. How long the loan period of housing loan in China is related to many factors. According to the types of loans, it can be divided into commercial loans, individual housing provident fund loans, portfolio loans and second-hand housing loans. Therefore, different loan types will lead to different loan types and different calculation methods. Legal basis: The term of provident fund loans and commercial loans in portfolio loans must be the same, and the stipulated maximum loan term shall not exceed the statutory retirement age (i.e. 60 for men and 55 for women). The longest loan period for commercial housing is thirty years; The longest loan period for private property transfer houses and auction houses is 20 years. 1. The sum of the service life of the second-hand house and the loan term 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 land use period; 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 the 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. Provisions on the relevant contents in the Measures for the Administration of Individual Housing Loans Article 10 The lender shall reasonably determine the loan term according to the actual situation, but the longest term shall not exceed 20 years. Article 10 The borrower shall work out a repayment plan with the loan bank. If the loan term is less than 1 year (including 1 year), the borrower will repay the principal and interest in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly.

2. What are the rules for the interest and fixed term of bank loans?

July 23rd, 06:44 1. Application conditions: permanent residence in the place where the loan bank is located (if the loan is applied by guarantee, at least one of the borrower and the guarantor has permanent residence in the place where the loan bank is located); Have a stable and legitimate source of income and the ability to repay the principal and interest on schedule; Good credit status, no illegal crimes and bad credit records; Providing the guarantee method recognized by the loan bank; The property renovated by the loan is legally owned by the borrower, and the property is located in the city where the loan bank is located; The borrower has signed a house decoration agreement or a purchase and sale contract for decoration materials with the decoration party; The borrower opens a RMB current savings account or development card in the loan bank; Other conditions stipulated by the lending bank. 2. Loan amount: the minimum loan amount for individual housing renovation is 6,543.8+0,000 yuan, and the maximum loan amount is 6,543.8+0.5 million yuan. 3. The longest loan period (year) 54. Loan interest rate: The loan interest rate for individual housing renovation is subject to the relevant interest rate management regulations of the People's Bank of China, and can fluctuate according to the floating range of SME loan interest rate. 5. Repayment method Individual housing renovation loans can pay interest on a monthly basis, repay the principal at maturity or repay by installments. If the loan term exceeds one year, it will be repaid in installments by equal monthly repayment or decreasing repayment.

3. What is loan term management?

1. Check whether the borrowers will continue before the loan expires one by one;

2. Whether the credit cooperatives approve the extension in accordance with the examination and approval authority and procedures;

3. Guarantee loan, mortgage loan and extension, whether the guarantor, mortgagor and pledgee issue a written certificate agreeing to the extension and go through relevant formalities;

4. Whether the cumulative extension period of short-term loans exceeds the original loan period; Whether the extension period of the medium-term loan exceeds the original loan period for more than 3 years; When extending the loan term, whether to charge the loan interest rate according to the new term grade interest rate from the date of extension.