Most banks' personal housing mortgage loans have certain restrictions on the age of second-hand houses, generally 20 years. Generally speaking, you can't borrow money to buy a house that is more than 20 years old. However, some banks are more "tolerant", stipulating that they can accept loans as long as the age of the house cannot exceed 30 years. \r\nHousing loan process: \r\n( 1) Select the property; \r\n(2) Apply for mortgage loan; \r\n(3) Sign a house purchase contract; \r\n(4) Sign the house mortgage contract; \r\n(5) Handling mortgage registration and insurance; \r\n(6) Open a special repayment account.

Second, how much can a house with a market value of more than 500,000 yuan repay the mortgage for more than 20 years?

First of all, find out the remaining price of the house and the loan amount, plus whether to pay interest! ), and then do mortgage, the requirements of various financial institutions are different, such as banks in Sichuan (some banks only accept secondary mortgage, which is generally 3-4 fold of business value, that is, the amount you can borrow, and some banks that do secondary mortgage outside are generally 3-6 fold, so the discount should be flexible, of course, it is fast to find, but it is definitely black!

Third, how many years can a 48-year-old borrow?

Mainly related to your age. Most young people can borrow it for 30 years. You can choose within 20 years, 15, 10, 5 years and so on.

General banks stipulate that the minimum age of lenders is 18 years old, the maximum age of men is 60 years old, and the maximum age of women is 55 years old (cadres at or above the division level can be extended by 5 years). The loan term of the lender cannot exceed the difference between the maximum age and your actual age. For example, if the lender is 50 years old and the loan term cannot exceed 10 year, the bank will generally give a discount, that is, 8 years. The upper limit for men is 60. With provident fund, 65 years old.

The upper limit for women is 55 years old. With provident fund, 60 years old. Upper age limit-actual age = longest loan term.

Can you still get a loan if you are more than forty or twenty years old?

Second-hand houses can be loaned, as long as the buyers and sellers agree through consultation. You can go to the local real estate transaction hall for details.