The mortgage loan has the longest term and can be loaned for 30 years. Other loans, such as credit loans, the loan period is generally not more than 3 years. The longest loan period of automobile consumption loan is also 3 years. The longer the loan term, the more interest will be paid. Bank loans already include time costs. If the repayment ability is insufficient, it is not recommended to apply for a long-term loan. Nowadays, many people apply for mortgage, thinking that the longer the loan term, the less the monthly payment, and the less the repayment pressure. However, with the extension of the loan term, the risk of repayment has also increased. After all, it is unknown whether the main lender can repay on time and whether it has the ability to repay. At present, bank loans are as follows. Venture loan Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has been engaged in production and operation activities, applies for the capital demand of starting or restarting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability. Mortgage loan for those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time. Secured loan If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and financial professionals are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from financial institutions such as ICBC and China Construction Bank only by looking for one or two colleagues to guarantee, and they can get approval documents on the day when all kinds of materials are ready, so as to quickly obtain venture capital. According to "laid-off workers under 60 years old, healthy, honest and trustworthy, with certain labor skills, who are engaged in self-employment, self-employment, partnership or organized employment, they can apply for small secured loans from commercial banks or their branches with a re-employment concession card issued by the labor and social security department.

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, whichever is lower). Within 5 years (including 5 years) from the statutory retirement age, with repayment ability and good personal credit, the loan can be relaxed.

3. What is the longest loan term?

The term of the provident fund loan is 1-30 years.

The longest loan period for SMEs can reach 10 year.

Wait, you have to be more specific.