Maximum loan term: 30 years.
Principle: loan term+age of the principal lender < 70 years, and the longest is 30 years.
2. China Everbright Bank
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old-the age of the main lender.
(2) Calculated by room age: 45 years-room age.
(whichever is lower is the actual loan period)
3. Bank of Communications
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old for male-age of main lender; Female, 65 years old, main lender.
(2) according to the age of the house: the age of the house within 45 years-25 years; A house over 25 years is 40 years-the age of the house.
(whichever is lower is the actual loan period)
4. Agricultural Bank of China
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old-the age of the main lender.
(2) According to the room age: 50 years-room age.
(whichever is lower is the actual loan period)
5. China Merchants Bank
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old-the age of the main lender.
(2) Calculated by room age: 45 years-room age.
(whichever is lower is the actual loan period)
6. Bank of China
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 65 years old-the age of the main lender;
(2) According to room age: 50- room age in the inner ring; Middle and outer ring 40- room age.
(whichever is lower is the actual loan period)
7. Bank of Beijing
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old-the age of the main lender.
(2) Calculated by room age: 40 years-room age.
(whichever is lower is the actual loan period)
8. Minsheng Bank
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old-the age of the main lender.
(2) Calculated by room age: 35 years-room age.
(whichever is lower is the actual loan period)
9. Bank of Shanghai
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old-the age of the main lender.
(2) Calculated by room age: 40 years-room age.
(whichever is lower is the actual loan period)
10, Industrial Bank
Maximum loan term: 30 years.
Principle: (1) Calculated by age: the principal lender is 70 years old.
(2) Calculated by room age: 45 years-room age.
(whichever is lower is the actual loan period)
1 1, Postal Savings Bank
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 65 years old-the age of the main lender.
(2) According to the room age: 50 years-room age.
(whichever is lower is the actual loan period)
12, China CITIC Bank
Maximum loan term: 30 years.
Principle: (1) Calculated by age: 70 years old-the age of the main lender.
(2) Calculated by room age: 40 years-room age.
(whichever is lower is the actual loan period)