Yan Yuejin, research director of Yiju Research Institute, believes that from the perspective of credit, the current credit policy is loose and the loan amount is sufficient. Banks can extend the loan term, but it may be tightened in the future.
In terms of age, Yan Yuejin pointed out that the age of the lender and the extension of the loan period mean that anyone before the age of 50 can borrow for 30 years. Under the background of delayed retirement and aging population in the future, the demand of the real estate market is also changing. Considering the housing needs of middle-aged and elderly people, the lender will have a certain income guarantee if he delays retirement in the future. The housing needs of these people are there, and the age limit for mortgage can be extended, which is also conducive to families with pension needs to better complete their home purchase plans.
Yan Yuejin believes that the original intention of the policy is correct, trying to tap the housing needs of middle-aged people aged 40-59, who have strong housing payment ability and high demand for full credit. Obtaining loans for such groups has a positive effect on releasing the just-needed and improved housing demand. Objectively, it has a positive role in reducing the burden, or it can buy a house for middle-aged people to reduce the burden.