Different types of loans have different loan terms. If you plan to apply for a housing loan at China Merchants Bank:
The longest loan/credit period of first-hand real estate is no more than 30 years, and your loanable period will be determined by the handling bank after you submit relevant information. For details, please contact local outlets for consultation.
The longest loan/credit period for second-hand buildings is not more than 30 years, and the building age of the shopping industry (referring to the completion period of the property) is generally not more than 20 years. The longest loan period plus the building age of the mortgaged property is not more than 40 years in principle.
The specific time limit for your application shall be determined by the handling bank after you submit relevant information.
2. How many years have foreigners bought a house loan in Wenjiang, Chengdu?
Up to 30 years;
Male: 60 years old-age-1; Female: 55 years old-age-1; The loan period of house age is ≤30 years. The loan term must meet the above three conditions at the same time and follow the lower principle (that is, which loan term is short and which is the standard). Within 5 years (including 5 years) from the statutory retirement age, with repayment ability and good personal credit, the loan can be relaxed.
Third, I would like to ask: how many years can Chengdu use provident fund loans to buy second-hand houses? Kneel down and thank you. Please talk to an authority figure.
Second-hand housing provident fund personal housing mortgage building age in principle does not exceed 30 years (inclusive) 20 years (inclusive).
4. Chengdu 202 1 loan restriction policy?
According to the loan policy implemented by Chengdu, the differentiated housing credit policy has been adjusted recently. The main contents are as follows:
1. If there is no house in this city under the name of a resident family and there is no housing loan record (including commercial housing loans and provident fund housing loans, the same below), the minimum down payment ratio is 30%.
2. The minimum down payment ratio for ordinary housing is 40%, and the minimum down payment ratio for non-ordinary housing is 50%, if the resident family has no housing in this city but has settled the housing loan record, or owns 1 house in this city but has settled the housing loan.
3. Scope of regional application: including Chengdu Zhiguan District of Tianfu New District, Chengdu High-tech Zone (including South District and West District), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pidu District 12 area.
4. In addition to the above adjustments, other matters continue to be implemented in accordance with the relevant provisions of the original differentiated housing credit policy.
Regarding the supplementary explanation in point 4, the above adjustment is mainly aimed at the first suite, and the loan policy for the second suite is still implemented according to the original policy, namely:
A. Buy two houses in Nanyuan and Tianfu New District of High-tech Zone with a minimum down payment of 70%;
B. Buy two houses in Xiyuan District, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pidu District of High-tech Zone, with a minimum down payment of 60%.