Generally speaking, it is generally not allowed to stay in Dongguan for more than 20 years. Whether you can apply for a provident fund loan is only half of the loanable amount. However, it is generally based on 15 years. Commercial housing and commercial housing with good location and strong liquidity cannot be loaned for more than 25 years, and second-hand housing with clear property rights within 15 years can be loaned.

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Second-hand housing transactions can apply for mortgage loans, and second-hand housing loans for more than 20 years are basically not loaned. However, there are also some restrictions, which are determined by the handling bank after comprehensive examination and approval. Refers to housing, the above applicants apply for loans, but the interest rate is higher. If you need to apply for a second-hand real estate loan.

The building age and disposal space of the purchased property are relatively small. Generally, the house age is less than 20 years, and the house age loan is limited.

Confirmation; The longest loan/credit period for second-hand buildings is no more than 30 years, and the second mortgage is more convenient. Some banks will also extend the housing age to 20-30 years, but not all borrowers' housing age plus loan years, as well as the housing loan business of second-hand buildings. However, if the second-hand housing loan period is older, the age of the mortgaged property shall not exceed 40 years in principle.

The longest loan/credit period of first-hand property shall not exceed 30 years, and the building age plus loan period shall not exceed 70 years. The age of the purchased property and the longest loan/credit period shall not exceed 30 years. According to the current laws in China, you can apply for a specific time limit.

Loans need to submit relevant materials. The age of second-hand houses should be controlled within 20-25 years, and the longest loan/credit period of second-hand houses should not exceed 30 years. Other banks have similar rules.