The longest loan term of individual housing loan is 30 years, and each loan term is determined by the commercial bank through consultation with the borrower according to the borrower's age, working years, repayment ability and other factors. The term of individual housing loan shall not exceed 30 years at the longest; The loan term of commercial housing and "commercial and residential dual-use housing" shall not exceed 10 year at the longest; The borrower's age plus the loan period shall not exceed 70 years at the longest.

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The longest loan period for individual housing is 30 years, but not everyone can get the longest loan period. The loan term is determined by a series of factors such as the lender's qualification.

Second, how many years can a mortgage loan be borrowed?

In the process of housing mortgage loan, the longer the loan term, the less pressure the borrower will have to repay in installments every month. So many people will be very concerned about "how long is the longest mortgage?" This question. The term of housing loan is divided into the following two situations:

1. new house: as far as the current situation is concerned, new houses can be mortgaged, and domestic banks can lend for up to 30 years.

2. Second-hand housing: For second-hand housing loans, the bank will consider the construction period of the house, so in the application process of second-hand housing loans, the service life will generally not exceed 20 years. For houses that are too old, banks will not only shorten the loan period appropriately, but also reduce the loan amount. Many houses in the 1980s and early 1990s can only borrow 50% of the appraised price, and the loan period is short. In addition, the length of the loan period is also closely related to the age of the lender, and generally cannot exceed the retirement age of the lender.

Overview: Find your favorite mortgage loan in Jingyu Finance. Jingyu Finance is a building mortgage institution designated by the four major state-owned banks, and has reached cooperation agreements with more than 40 banks. Jingyu Finance integrates the mortgage resources of major banks to tailor the loan scheme for you. In the case of complete information, it takes only 7 working days from business acceptance to bank lending at the earliest, so that you can move into the new house earlier.

I am 43 years old. How many years can I borrow money to buy a house?

The bank stipulates that the lender must be 18 years old and the loan period should not exceed 70 years old.

The first-hand property loan/credit line has the longest term. After you submit the relevant information, the handling bank will consult the comprehensive network.

The longest loan/credit period for second-hand buildings is not more than 30 years, and the building age of the shopping industry (referring to the completion period of the property) is generally not more than 20 years. In principle, the longest loan period plus the fixed number of years of mortgaged property shall not exceed.

The specific time limit for application needs to be submitted and then determined.