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This is a common problem and needs to be judged according to the specific situation. Generally speaking, to operate a mortgage-backed property, the loan period can reach 10 years.

Introduction.

Real estate mortgage refers to the mortgage of personal housing to banks for production and operation. At present, the loan period given by most banks is less than 30 years, and it is related to the age of the borrower. Generally, the lender is required to apply for the age, and the loan period shall not exceed the statutory retirement age.

The specific loan term is comprehensively evaluated by the bank according to the borrower's credit status, income level, liabilities and the completeness of the information provided, and the borrower chooses the appropriate loan term according to its own actual situation.

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

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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 microfinance institutions can accept children or the elderly), and the mortgage loan amount 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.

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How many years can a house mortgage loan last?

Mortgage loans can last as long as 30 years. The mortgage rate of commercial housing can reach up to 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%; , the longest period can reach 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

How many years can I borrow commercial housing mortgage?

Commercial housing mortgage loans can last up to 30 years. The loan needs to be decided according to the specific situation of the house. You can consult the bank before handling the loan, and the loan interest rates given by different banks are different. Usually, you choose a bank with a lower loan interest rate to handle the loan, and the interest paid for the loan in such a bank is less.

Users also need to submit work certificates, bank statements, loan instructions, etc. When handling mortgage loans, and when handling loans, ensure that personal credit information is good. Only with good credit information can they successfully handle the loan, get the loan after passing the bank review, and then repay it on time.

Before applying for a mortgage loan, it is best to know what kind of income to use. If the income is relatively low, it is necessary to handle the loan cautiously. In fact, in the case that the loan amount is not very high, users can borrow money from friends around them for emergency and pay it back later.

If the commercial housing cannot be repaid on time after mortgage, the bank will collect it. If the loan is not repaid after collection, the bank will sue the borrower, and the subsequent mortgaged house will be auctioned, and the auction money will be used to repay the arrears. After overdue repayment, it will also affect personal credit information, and subsequent applications for loans will be rejected by banks.