The sum of the longest loan period of the borrower's age and the borrower's actual age shall not exceed 55% of the borrower's total monthly income. Generally, retired workers are strict, but parents can help their children pay back.
Second, ask for help. Can people buy a house with a mortgage after retirement?
ICBC can make retirement loans.
Let's see what others say.
3. Can I get a loan to buy a house after retirement?
Retired workers can borrow money to buy a house: the age repayment period cannot exceed 70 years.
Retired workers can't apply for bank housing mortgage loan, because this loan will require the borrower to provide proof of income and proof of work. Retirees can't provide this proof because they have no job, and pensions can't be used as proof of income. Moreover, banks also have certain restrictions on the age of mortgage customers, at least 18 years old, and the repayment period of the borrower's age cannot exceed 70 years, so even if retired employees can borrow money, the loan period is quite short, which increases the repayment pressure and further affects normal daily life.
Extended data:
Factors affecting the term of loan to buy a house and mortgage
1: Age of loan applicant
When banks evaluate the repayment period of mortgage loans for borrowers, they first take their age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age loan period does not exceed 65 years" is the loan period that the bank can handle for it.
2. Age of the lending institution
When a lender buys a property, the "age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room. For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.
3. The financial ability of the loan applicant
On the other hand, for applicants who buy a house with loans, such as work income, job stability, savings deposits, assets, etc. It is also a factor that banks consider, and it is also a factor that measures the application time of their loan years. Borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure. For example, 70% 10 or 15, or even 60% to 50% loan scheme. Borrowers with poor economic strength should pay attention to whether their economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans as high as 80% to 20 years.
4. Can I borrow money to buy a house after retirement?
You can borrow money to buy a house when you retire. Retirees can also apply for loans. However, there are certain preconditions. The first is the age limit. In general loan products, the borrower's age is set as 18-65 years old. Beyond this age limit, you can't be too big or too small. The conditions required for car loan are: 1, valid identification and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions stipulated by the Cooperation Organization. The method of obtaining the lowest bank loan interest rate is as follows: 1. Choose the bank with the lowest interest rate to apply for a loan. Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, it is necessary to "three-to-one loan" and then choose the bank with the lowest interest rate; 2. Pay attention to personal credit information and keep it. Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue. After the credit is overdue, the processing method is as follows: 1. Pay off your debts in time: when you find that the credit you borrowed is overdue, you should first pay off the borrowed loan in time. If it is paid off within the grace period of repayment, it will generally not affect the personal credit record; 2. Actively communicate with the staff: After paying off all overdue debts, the borrower should actively communicate with the staff of the lending institution, explain the overdue situation and reasons, and show right and wrong. According to Article 36 of People's Republic of China (PRC) Commercial Bank Law, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.