Most banks have certain restrictions on the age of individual housing mortgage loans, generally 20 years, which means that houses with an age of more than 20 years cannot be loaned. However, some banks may be more tolerant and will relax the age of the house. As long as the house age+loan house age is less than 30 years, you can apply for a loan. Because different banks have different regulations, the relevant bank staff should be consulted for specific loan requirements.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Loan application information:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Loan amount:

1. residence: the maximum loan amount can reach 70%-80% of the appraised price.

2. Apartment: The maximum loan amount shall not exceed 60% of the appraised price.

3. Villa residence: The maximum loan amount shall not exceed 70% of the appraised price.

4. Commercial house: The maximum loan amount shall not exceed 60% of the appraised price.

The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.