Generally speaking, different banks have different specific regulations.

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.

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What are the influencing factors of the loan life of provident fund?

1. The repayment ability of the lender affects the loan life.

General banks will review the borrower's income when issuing loans, mainly to determine whether the borrower's monthly income is enough to repay the monthly mortgage payment. Generally, the monthly payment cannot exceed 50% of your income, so if you have better financial resources and qualifications, the loan period will be longer. After all, the longer the term, the more the total interest expense.

2. The age of the lender will also affect the loan term.

When applying for a mortgage, the age of the borrower is generally an important audit factor. Generally speaking, as long as the borrower is over 18 years old, he can apply for a personal housing loan. It is required that the borrower's age and loan period should not exceed 65 years, otherwise it will not be accepted. Therefore, the younger the borrower, the longer the loan period he can apply for. If you are over 40 years old, the longest loan period can only be less than 25 years.

This house is too old to be lent out for a long time.

The age of the house is also an important factor for banks to determine the loan term, especially for users who have already purchased second-hand houses. Banks will also comprehensively calculate the loan term according to the time of the remaining ownership of the house. If the house is too old, it may not be available for the longest period.

How to calculate the loan period when applying for housing provident fund loans?

Calculated by the age of the borrower: the longest loan period: 70- the age of older couples. Calculated by the age of the house: the longest loan time: brick-concrete (mixed): 47- house age: reinforced concrete: 57- house age: 30 years at the longest. According to the longest loan period of the borrower and the longest loan period stipulated by the state, the lowest loan period is the final loan period. However, if the per capita monthly income of the loan applicant exceeds 3 times (inclusive) the average monthly salary of Beijing employees, the monthly repayment amount shall not be less than 50% of the monthly income in principle, and the loan term shall be shortened accordingly according to the monthly repayment amount.

How to calculate the loan period of provident fund?

Calculation of the loan period of provident fund: \ Generally speaking, the longest loan period is 30 years, which will not exceed the statutory retirement age of employees and their spouses by 5 years (65 years for men and 60 years for women). Among them, the second-hand housing loan period plus the housing age does not exceed 40 years. \, the longest is not more than 30 years, that is, 360 months; \ The sum of the age of the loan applicant and his/her spouse or * * the same borrower and the loan application period shall, in principle, not exceed 5 years after his/her statutory retirement age, and the loan period shall be calculated according to the shorter one, with the accuracy to the month; \ The loan term shall not exceed the remaining legal service life of the house. \ \ The municipal housing provident fund management center comprehensively determines the final loan term according to the application period of the loan applicant and the above factors. \\

How to calculate the provident fund loan to buy a house?

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

Calculate the monthly income of oneself and the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

Calculate the maximum loanable amount: the maximum loanable amount is the monthly income of your family (referring to the monthly income of both husband and wife, the monthly income of retired employees, their children and other applicants, the same below), the remaining amount after deducting the living expenses of 400 yuan at least every month, and then dividing it by the monthly repayment amount per 10,000 yuan of loan during the loan application period.

What are the requirements for housing age for provident fund loans?

Nowadays, young people are under increasing pressure to buy a house. Many times, they need the support of their parents to realize their dream of buying a house. Many young people save money to buy a house. At this time, if they have provident fund to buy a house, it will definitely be easier. However, provident fund loans also have requirements for housing age. Next, Bian Xiao will introduce you to the requirements for housing age provident fund loans.

What are the requirements for housing age for provident fund loans?

If it is a provincial provident fund, it is required that the total age of the house and the loan period of the provident fund should not exceed 40 years, and the total loan amount should not exceed 50% of the total house price, and it must be within the loanable amount. For houses with a room age of more than 20 years, the down payment shall not be less than 60%.

Relationship between loan period and house age;

1, bank policy, banks have requirements for the term of mortgage loans, which generally does not exceed 30 years. Some banks have shortened the maximum term of loans, such as Beijing, and the maximum term of second-home loans has been shortened to 25 years.

2. The borrower's repayment ability, how many years he can borrow, is also closely related to his repayment ability. When auditing the borrower's income, the bank should ensure that the income is enough to repay the monthly mortgage. The relationship between monthly mortgage payment and income is: monthly mortgage payment ≤ monthly income X50%.

3. The borrower's age, the longest time of provident fund loan: municipal: 70- older couples' age, state: 69- older couples' age.

4. The room age is generally within 30 years; Calculation of the longest loan term: the loan term is 50 (different banks). Some banks stipulate that the loan period should not exceed 30 years, some stipulate that it should not exceed 40 years, and some stipulate that it should not exceed 50 years.

Bian Xiao's conclusion: What are the requirements of provident fund loans for housing age? I hope I can help you. I believe that after the above contents are passed, what are your requirements for the housing age of provident fund loans? If you have more knowledge, you can also refer to it in the future.

How to calculate the loan period of Shanghai provident fund

Mainly according to the nature and age of the house:

1, the longest loan term of the second-hand housing mortgage loan with a house age of less than 5 years (inclusive) is still less than 30 years.

2. For the second-hand housing provident fund mortgage loan with the age of 6 years to 19, the longest loan period is adjusted from no more than 15 to the difference between 35 years and the age of the house.

3. The mortgage loan of second-hand housing provident fund with a house age of more than 20 years (inclusive), the longest loan period shall not exceed 15 years.

Generally, the formula for calculating the specific years of provident fund loans by age is: 70- the age of the applicant or the age of the applicant and his wife. If the loan life is calculated according to the collateral, the formula is: service life of the building (50 years for brick-concrete and 60 years for steel-concrete)-service life of the building -3.

Extended data

Loan ratio:

1. The down payment ratio of housing provident fund loans shall not be less than 20% for families who purchase the first set of self-occupied housing with a floor area of 90 square meters or less.

2. For families who purchase the first self-occupied housing with a building area of over 90 square meters in Xing Tao, the down payment ratio of housing provident fund loans shall not be less than 30%.

3. In order to improve the living conditions of families who buy a second house, the down payment ratio of housing provident fund loans shall not be less than 60%.

For the purchase of the first self-occupied housing, the loan interest rate is the benchmark interest rate for housing provident fund loans; If you buy an improved second home, the loan interest rate will rise to 1. 1 times the benchmark interest rate of housing provident fund loans. Borrowers can log on to the Shanghai Housing Provident Fund Network and apply for the platform through the housing provident fund online loan business.