Commercial loan is a shortcut for most property buyers to raise funds, and there will always be some problems in actual operation. Before, I also made some summaries on the problems of commercial loans, which involved more complicated aspects and more contents. Here, I will list some questions that netizens often ask, hoping to help you buy a house easily! Flow chart of commercial loan: Q 1. If the owner does not cancel the mortgage, can the customer apply for a face-to-face commercial loan? Small chain solution: you can directly approve commercial loans without knowing the mortgage procedure. Q2。 After applying for a commercial loan, how long does it usually take to apply to the bank for prepayment? Do I need to pay liquidated damages? Small chain answer: ① China Bank, China Construction Bank, Agricultural Bank, China Everbright Bank, Industrial Bank, China Merchants Bank and China CITIC Bank can repay in advance after half a year; ② Banks, Industrial and Commercial Bank of China and Bank of Communications can repay in advance after one year of repayment; (3) Bank of Guangzhou can borrow and return with it, and there is no time requirement; There is no need to pay liquidated damages for early repayment (except for Agricultural Bank, which will indicate in the loan contract that 65,438+0% liquidated damages will be paid for early repayment, and the specific implementation will be determined according to the actual repayment time). Q3。 When applying for a commercial loan, which banks can the ex-husband and ex-wife jointly repay? Small chain answer: Industrial Bank, China Bank, Bank of Communications, Bank (but the income certificate of the main borrower should cover twice the monthly repayment amount). Q4。 If the client's husband and wife are retired, can they apply for a loan? Retirees are not allowed to apply for loans, but their children can apply for loans. If the customer has his own retirement salary, he can become a co-payer. The registered permanent residence is under Ning's name, and there are 2 suites with loans in Shanghai. My parents retired in Ning. I can pack the first set of small chains and answer: hello, because you already have two houses in your name, and the loan has not been paid off. If you buy another house, it will be considered as the third house. You cannot apply for a loan again. Thank you for your question! Q5。 When customers use commercial loans, how to use the provident fund to repay in advance? Husband and wife can use the balance of the provident fund account to withdraw and repay the loan once a year when there is no Nanjing provident fund loan (the main lender is himself or his spouse). If the provident fund under his name is still in the loan, he can't use the provident fund to repay the commercial loan. Q6。 What are the requirements for the age of customers in commercial loans? Q7。 How to calculate the loan life (how to determine the longest loan life) for commercial loans? ② Compared with the loan period calculated by the age of the house and the age of the lender, whichever is shorter, the longest loan period does not exceed 30 years (the longest loan period for commercial housing is 10 year). The loan period of a bank can only be calculated according to the age of the lender: the lender's age+loan period ≤65 years, the longest loan period of Bank of Communications is generally 20 years, and high-quality customers (science, education, culture and health, institutions, civil servants, state-owned enterprises, central enterprises, doctors and teachers) can be extended to 25 years.