The sum of the age of the second-hand house and the loan period cannot exceed how many years.
Generally speaking, different banks have different specific regulations, but nothing more than the following:
1. The sum of the age of the second-hand house and the loan period cannot exceed 30 years. Some banks stipulate that it should not exceed 40 years, while others stipulate that it should not exceed 50 years.
2. The maturity date of the loan cannot exceed the land use period.
3. The sum of the loan term and the borrower's age shall not exceed 65 years old.
The term of second-hand housing loan is affected by the borrower's age, the age of second-hand housing and the land use period. The younger the borrower is, the longer the loan period he can apply for. For the second-hand housing age, the bank will calculate the loan term according to the time of the remaining ownership of the house. Banks generally stipulate that the age of second-hand houses should not exceed 20 or 25 years, some banks stipulate that it should not exceed 15 years, and the stricter requirements should not exceed 10 years. Therefore, if the second-hand house is too old, the loan period will be shorter.
In addition, the service life of the land is also an important factor affecting the loan life. The service life of the house is calculated from the time when the developer takes the land. The normal service life of land should be 70 years, but the average second-hand house certainly can't reach this life. The short service life of land will also affect the service life of mortgage.
202 1, which cities stopped second-hand housing loans?
1, second-hand housing loans in Nanjing, Jiangsu Province were suspended.
Bank of Communications said it would not accept the second-hand housing loan business, and said that the second-hand housing loan business has been scheduled for 2022. However, local Societe Generale, China Everbright and Bank of Ningbo have no loans. At the same time, CITIC, Hangzhou and other banks also said that the quota was tight and the lending time could not be guaranteed.
2. Second-hand houses in Hefei, Anhui stopped lending.
Guangfa Bank temporarily stopped handling second-hand housing loans on the grounds that there was no quota. China Bank and Agricultural Bank also have some branches that temporarily refuse to accept second-hand housing loans. According to statistics, six banks have stopped the second-hand housing loan business.
3. Chongqing second-hand housing stopped lending.
Three Gorges Bank and Industrial Bank have stopped handling second-hand housing loans. Agriculture and Ping An Bank are still in the mortgage stage.
Generally speaking, banks in many cities have recently introduced the suspension of second-hand housing loans or suspended their business, which has also increased the difficulty in selling second-hand housing. It has also returned to the residential nature of the house. The house is used for living, not for speculation.
4. Second-hand houses in Hangzhou, Zhejiang stopped lending.
A bank has given a loan to the second house pavilion. Recently, some property buyers said that they would be forced to pay the full amount if they signed the contract a few days later. However, the new house is not affected, and the second-hand mortgage is relatively tight. Among them, provident fund loans are very slow, and commercial loans generally take more than two months.
5. Second-hand houses in Huizhou, Guangdong stopped lending.
Some banks in Huizhou have completely stopped the second-hand housing loan business, and only a few small banks such as Xingye, China Resources and Hengfeng are still receiving the second-hand housing loan business. Small banks have gradually stopped accepting second-hand housing loans. In the future, it is not ruled out that the second-hand housing in Huizhou will stop lending in an all-round way and may enter the era of full payment.
6. Second-hand houses in Wuhan, Hubei stopped lending.
At present, some banks in Wuhan have stopped second-hand housing loans, such as Bank of Communications, China Merchants Bank, Agricultural Bank, Ping An Bank, Postal Bank, Huaxia Bank, Shanghai Pudong Development Bank, Minsheng Bank, China Everbright Bank, Industrial Bank and Hankou Bank. China Construction Bank signed a loan restriction contract, while HSBC and Bank of East Asia proposed not to pay the provident fund and not to turn it into public funds.
The sum of the age of the second-hand house and the loan period cannot exceed how many years? 202 1 which cities stopped second-hand housing loans? The above is the relevant content we introduced, which can be used as a reference.