Term of personal consumption loan of China Bank:

1. Term of personal unsecured consumer loan of China Bank: the longest term shall not exceed 1 year. For customers who meet one of the following conditions, the credit line may be appropriately extended for a maximum of 3 years:

(1) High-quality enterprise management and key employees with strong strength, well-known brand, standardized management and stable salary and benefits, mainly from China Bank;

(2) BOC wealth management, wealth management and private banking customers with good credit status;

(3) China Bank's existing mortgage customers with good credit status.

2. The term of personal mortgage consumer loan of China Bank: if the house is mortgaged, the longest period shall not exceed 30 years; If the commercial house is mortgaged, the longest period shall not exceed 10 years. The sum of the quota period and the construction period shall not exceed 30 years, and shall not exceed the remaining service life of the construction land occupied by the collateral. If the borrower applies for a credit line through multiple collateral combinations, the validity period of the credit line that a single collateral can apply for is the shortest.

The term of individual unsecured consumer loan of China Bank is determined according to the specific purpose of the loan. The longest loan term for different purposes is as follows: for buying automobiles, large-scale durable consumer goods, immediate family members and legal wards to study abroad, education and training, etc. , the longest not more than 3 years; Used for other general consumption purposes, with a maximum of 1 year. The term of a single loan shall not exceed one year after the expiration of the quota. For special customer groups such as corporate annuity partners of Bank of China, the loan term is still implemented according to the requirements of relevant management measures.

China Bank's personal housing mortgage consumer loan has a single term housing mortgage of no more than 65,438+00 years and commercial housing mortgage of no more than 5 years. And shall not exceed the term of the remaining right to use the construction land within the scope occupied by the collateral, and shall not exceed the expiration date of the quota.

The maturity date of the loan is generally not later than the date when the borrower retires/stops production and business activities. When the loan expires, the borrower shall not be over 65 years old, and the age may be appropriately relaxed to 70 years old for customers who meet the bank's private banking and wealth management standards.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

How many years can a mortgage last?

Mortgage loans can last as long as 30 years. \x0d\ 1。 The mortgage rate of commercial housing can reach up to 70%; \x0d\2。 The mortgage rate of office buildings and shops can reach up to 60%; \x0d\3。 The mortgage rate of industrial plants can reach up to 50%; \x0d\4。 The longest period can reach 30 years; Mortgages include shops, office buildings, houses, villas, factories, warehouses, etc \x0d\

How many years can a mortgage bank loan last?

1. If the loan is used for production and operation, the mortgage loan period is generally 5 years;

2. If the loan is used for consumption payment, the time of mortgage loan is generally 10 year;

3. If the loan is used to buy real estate, the mortgage time of the house is generally 30 years.

The above is the mortgage loan period, and different houses will have different loan periods.

Housing mortgage loan information

The amount of mortgage loan funds is closely related to the valuation of the house. The higher the house valuation, the more funds users get, and the lower the house valuation, the less funds users get. And the amount of funds available to different houses is different. Residential buildings can get 70% of the house valuation, and commercial buildings such as shops and office buildings can get 60% of the house valuation. The time of mortgage loan is related to the age of the house and the age of the user. The older the user, the shorter the time. Moreover, most banks stipulate that the age of the house and the age of the user together cannot exceed a certain value, and users should decide related matters according to their actual situation.