Housing is not only an important part of our life, it can be used as collateral when we need money urgently, so that money can come faster. However, many people have limited knowledge about how many years mortgage loans can last. If you want to know more, let's go to Bianxiao together!

How many years can I borrow a real estate mortgage loan?

If the commercial house is used for mortgage loan, the credit period is 5 years. Of course, the service life of commercial housing plus the credit period should be less than or equal to 30 years. In the case of housing mortgage loan, the credit period can be as long as 30 years, but the applicant's credit period should be less than or equal to 60 years, so it is necessary to comprehensively evaluate the applicant's repayment ability.

What are the terms of mortgage loan?

1. The applicant should be 18-55 years old (only a few institutions can accept children or the elderly), and the mortgage amount of the house is basically 50-70% (some banks may increase it); The term of mortgage loan is usually 1 year-10 year (a few banks reach 30 years, but the borrower cannot be over 60 years old after the loan is completed);

2. The age of the house needs to be within 20 years; Mortgage loan interest rate rises10%-20%; There must be a source of income (the effective proof is that the bank's running water and monthly effective income are more than twice the monthly mortgage repayment); The credit of the individual or company is good (if there is no overdue repayment, the bank will not approve the payment);

3. At present, the types of mortgage payment accepted by banks are commercial housing, housing, secondary mortgage, shops, serviced apartments, mortgage houses and office buildings.

Editor's summary: The above is the analysis of how many years the real estate mortgage loan can be borrowed. You know, real estate mortgage doesn't mean you can mortgage it. It has certain conditions and requirements, and can only go through the mortgage formalities if it meets the requirements. When doing mortgage transactions, we must find a reliable company, because only in this way can we have a safe guarantee for the mortgaged house.

How many years can a mortgage bank loan last?

1. If the loan is used for production and operation, the mortgage loan period is generally 5 years;

2. If the loan is used for consumption payment, the time of mortgage loan is generally 10 year;

3. If the loan is used to buy real estate, the mortgage time of the house is generally 30 years.

The above is the mortgage loan period, and different houses will have different loan periods.

Housing mortgage loan information

The amount of mortgage loan funds is closely related to the valuation of the house. The higher the house valuation, the more funds users get, and the lower the house valuation, the less funds users get. And the amount of funds available to different houses is different. Residential buildings can get 70% of the house valuation, and commercial buildings such as shops and office buildings can get 60% of the house valuation. The time of mortgage loan is related to the age of the house and the age of the user. The older the user, the shorter the time. Moreover, most banks stipulate that the age of the house and the age of the user together cannot exceed a certain value, and users should decide related matters according to their actual situation.

How many years can I borrow a house mortgage?

It is common for people to apply for a loan now, but it is not easy to apply for a mortgage loan, which is limited by many conditions, and the loan term is one of them. So how many years can a house mortgage be borrowed?

1. How many years can I borrow the house mortgage?

1. If the mortgaged house belongs to a commercial house, and the service period and credit period add up to 30 years or more, the house can be mortgaged for 5 years.

2. If the mortgaged house belongs to the house, the borrower wants to add 60 years or more, or the service life and credit period of the house add up to 40 years or more, and the house can be mortgaged for 30 years. On this basis, the bank will determine the loan term through the repayment ability of the applicant and the liquidity of the mortgaged property.

2. What are the reasons for the rejection of mortgage loans?

1. The house mortgage loan was rejected, probably because it could not find a loan product suitable for its own situation. For example, if your house is located in the suburbs of Beijing, if you apply for a personal comprehensive consumer loan from a non-bank of communications, such banks will only accept the mortgage of urban real estate and will naturally be rejected.

2. Refusing the mortgage loan may be due to the particularity of the mortgaged house. Now many banks will take the liquidity of mortgaged houses as the criterion. If the mortgaged house belongs to four types of affordable housing and public housing, the mortgage has not been paid off, the property certificate has not been obtained, and the service life is less than five years, I suggest you apply.

Bank lending depends not only on collateral, but also on the applicant's personal qualifications, mainly on whether the applicant has a stable job and good credit. If the applicant's personal qualification is unqualified, even if there is collateral, the application cannot be successful.

Summary: The relevant content about how many years a house mortgage can be borrowed is introduced here for everyone, hoping to help everyone. Finally, I would like to remind you not to use the mortgage funds illegally when handling the mortgage loan procedures, otherwise the bank has the right to recover the funds.

How long can a mortgage last?

Generally, the longest loan can be 30 years.

Term of amount

1, and the highest mortgage rate of commercial housing can reach 70%;

2. The mortgage rate of office buildings and shops can reach up to 60%;

3. The mortgage rate of industrial plants can reach up to 50%;

4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

Housing requirements

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;