The first way to solve the problem of mortgage loan for the elderly is mortgage loan. In this regard, many elderly people need to own a house or other mortgage items, and then make loans through banks or other guarantee companies. Such a loan is still possible at present, but the difficulty is not very low.

As we all know, mortgage loans are generally before the age of 70, and then they cannot be mortgaged. But now there is a kind of loan called relay loan, which is a loan in the name of parents, but it is repaid by the child's loan period, so as to extend the loan period to 30 years, but this is not easy to handle. You can consult the bank staff.

Buying a house now is really a big deal, but the market involvement of the elderly in buying a house is still very narrow. With the development of housing-based pension system in China, it is estimated that this situation will basically start to improve in the future, but the specific measures are still unknown. At present, it is still very difficult for the elderly to borrow money to buy a house.

2. What are the application conditions of ICBC's renovation loan?

ICBC decoration loan application conditions are as follows:

1, and the age of the applicant should be between 18 and 65;

2. The applicant has a fixed residence or habitual residence in the place where the loan bank is located.

3. The applicant has a stable job and income, and has repaid the loan principal and interest in full and on time.

4. The applicant has good personal credit.

5. The applicant has a personal settlement account in China Industrial and Commercial Bank;

6. Being able to provide legal and effective guarantee recognized by the bank;

7. The applicant has a clear and legal loan purpose and decoration agreement.

3. What does it mean for China to open loans to the elderly over 86?

With the increasing support of China's housing consumption policy, the relevant departments recently announced that the elderly over 86 can apply for housing loans, which greatly released the policy tendency. In fact, on the surface, China has increased its support for the rental market, which can attract more elderly people to buy houses, which will effectively meet the warm housing needs of the elderly.

At the same time, the report also shows that the government will formulate specific details for this policy. If eligible elderly people successfully obtain housing loans, it will effectively encourage the improvement of their living conditions and achieve comprehensive housing services for the elderly, which marks the beginning of housing rights for the elderly over 90 years old in China and is an important significance of today's policy launch.

And from a deeper perspective, with the acceleration of self-help transformation in rural areas, China also needs to increase its support for housing to ensure that the elderly can live in regularly and maintain the housing environment. After all, farmers can't change Lao She's address, and the elderly are also a huge market and an important pillar of China's housing policy. At the same time, it can ensure that elderly friends over 90 years old continue to stay, which can slow down the surge of families of elderly people living alone and change the situation that the elderly have no home to some extent. This policy also means that people are paying more attention to the housing market in China, and it also drives the economic growth of towns and suburbs. It is for this reason.

In short, China's policy of opening housing loans to the elderly over 86 years old is not only pragmatic, but also a signal to support and improve China's urban construction, improve the living environment of the elderly, reduce the phenomenon of elderly living alone, and improve the housing resettlement standards of farmers.

Can a 4.65-year-old still borrow money?

can

You can apply for a loan. 65-year-old people can apply for loans, because the major banks stipulate that lenders must be at least 65,438+08 years old, and their age plus the loan period cannot exceed 70 years old, which means that people over 65 can only apply for loans for five years, which means that people over 65 can't apply for mortgages.