Generally, the age of mortgage loan is not more than 10, the age of borrower is not more than 65, and the age of loan and borrower is not more than 65.

Mortgage housing loan actually refers to the variety of commercial housing that customers already have that can be listed and circulated with mortgage bank loans. Unlike second-hand housing loans and first-hand housing loans, customers already own real estate, not about to own it.

Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations, such as real estate speculation and stock speculation. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.

Extended information housing mortgage loan

1. Mortgaged real estate is used for operation.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes.

Amount: For commercial purposes, you can generally apply for 70% of the real estate appraisal value at most.

Interest rate: According to the bank policy and the qualifications of borrowers, the interest rate will rise by more than 20% on the basis of the benchmark interest rate.

Years: generally less than five years.

Second, the mortgaged property is used for personal consumption.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets and personal consumption.

Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate will generally be implemented or floating 10%.

Years: generally less than 10 years.

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