1, but it is more difficult. Because according to the age limit of ordinary banks, the borrower's age should be between 18-65. In other words, borrowers over the age of 65 can't apply for loans. Now the age of retirees is 60. Its retirement salary can only be used as a basic living guarantee, not as a reflection of repayment ability.

2. However, if retirees do business after retirement, banks will dispel their concerns about repayment ability and reconsider loan approval. In addition to the above, retirees can ask their children to help them borrow money from banks in their own names, but this way must be based on the premise that their children have good personal credit and stable jobs.

3. In this case, Agricultural Bank of China took the lead in launching personal mortgage relay loan business. Children can promise to become co-borrower, and their parents, as lenders, set a date in the contract. When the date expires, the children change from co-borrower to the main borrower, and the repayment period is appropriately extended.

Second, can you still borrow money to buy a house after retirement?

Legal analysis: you can borrow money to buy a house after retirement: but the repayment period of your age cannot exceed 70 years. But retirees can't use provident fund loans to buy a house. Because according to the regulations on provident fund management, retirees can only withdraw provident fund, not mortgage. In the case that the provident fund loan cannot buy a house, only commercial loans can be made. Housing loan process-submit the following materials to the mortgage bank: 1. Submit legally binding certificates (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visiting cards, home visiting cards and other residence certificates or other identity documents); 2. Proof of fixed income or other proof of repayment ability; 3. The original contract witnessed by the real estate management department; 4. Other documents required by the lending bank. If the borrower's spouse applies for a loan together with him, the loan application form should also clearly fill in the relevant information of the spouse, and show the household registration book. Legal basis: Article 674 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall pay interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

3. Can I get a loan to buy a house after retirement?

Retired workers can borrow money to buy a house: the age repayment period cannot exceed 70 years.

Retired workers can't apply for bank housing mortgage loan, because this loan will require the borrower to provide proof of income and proof of work. Retirees can't provide this proof because they have no job, and pensions can't be used as proof of income. Moreover, banks also have certain restrictions on the age of mortgage customers, at least 18 years old, and the repayment period of the borrower's age cannot exceed 70 years, so even if retired employees can borrow money, the loan period is quite short, which increases the repayment pressure and further affects normal daily life.

Extended data:

Factors affecting the term of loan to buy a house and mortgage

1: Age of loan applicant

When banks evaluate the repayment period of mortgage loans for borrowers, they first take their age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age loan period does not exceed 65 years" is the loan period that the bank can handle for it.

2. Age of the lending institution

When a lender buys a property, the "age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room. For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.

3. The financial ability of the loan applicant

On the other hand, for applicants who buy a house with loans, such as work income, job stability, savings deposits, assets, etc. It is also a factor that banks consider, and it is also a factor that measures the application time of their loan years. Borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure. For example, 70% 10 or 15, or even 60% to 50% loan scheme. Borrowers with poor economic strength should pay attention to whether their economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans as high as 80% to 20 years.

4. Can I borrow money from the bank to buy a house after retirement?

Just meet the mortgage conditions.

The mortgage borrower must meet the following conditions at the same time:

1. has legal status;

2. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

4. Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

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

6. Other conditions stipulated by the lending bank.