If you are over 50 years old, you can apply for a loan 15 years to buy a house at the longest, because the loan period of most banks can't exceed 65 years for men and 60 years for women, and in general, the age at the time of applying for a loan+the loan period can't exceed 70 years, so you can borrow 15 years for buying a house when you are 50 years old. If you don't meet these age limits, the loan will fail. When applying for a bank loan, the bank will make a decision according to the applicant's credit status, especially the comprehensive evaluation of economic strength.

What conditions do you need to buy a house with a loan?

1, a natural person who has reached the age of 18 and has full capacity for civil conduct and full capacity for civil liability, and has a permanent residence for urban residents or a legal and valid residence certificate.

2. Pay the down payment; Have a stable legal income and the ability to repay interest; At the time of application, the purchaser has its own funds not less than 20% of the purchase price.

3. The borrower agrees to use the purchased house and its rights and interests as collateral; The purchased second-hand houses have clear property rights and meet the conditions for entering the real estate market stipulated by the government.

4. The purchased house is not within the scope of the demolition announcement. Other conditions required by the lending bank.

What are the application materials for housing loan?

The borrower's valid ID card, household registration book, and proof of marital status. Unmarried persons must provide unmarried certificates, and divorced persons must provide court civil mediation or divorce certificates (indicating that they have not remarried after divorce); Married people are required to provide their spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); Certificate of real estate ownership; Guarantor (ID card, household registration book, marriage certificate, etc.). Is required).