ICBC can make retirement loans.

Let's see what others say.

2. I am a retiree (58 years old). Can I borrow money to buy a house?

Yes, the state stipulates that the loan age is 18-65 years old, and the borrower must also meet the requirements of bank loans:

1, monthly punching salary;

2. Good credit information;

3. The bank's capital flow in the past six months;

4. Purchase contract, etc.

Third, ask for help. Can people buy a house with a mortgage after retirement?

Yes, but the loan period will be slightly shorter, mainly because the borrower has enough running water.

4. Can retirees buy a house with a mortgage loan?

Everyone wants to buy a house, so having a suite has become a very important topic. In reality, not everyone can buy a house in full. Therefore, buying a house through bank loans has become the mainstream. So what conditions do you need to buy a house with a loan? Can retirees buy a house with a mortgage loan? Next, I have compiled some knowledge about this for you. Welcome to read! Can retirees buy a house with a mortgage loan? Yes, they can also apply for housing loans for retirement. The requirements are as follows: ID card, household registration book, marriage certificate, proof of income, bank flow, (providing information on both husband and wife for married people) submit the information to the bank for review, and the bank will inform you of the loan after review. 1. What are the conditions for buying a house with a bank loan? 1, legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence; 2. Have a stable occupation and income; 3, have the ability to repay the loan principal and interest on schedule; 4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing; 6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of a house in the Construction Bank. If the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the Construction Bank according to regulations; 7. Other conditions stipulated by the lending bank. Second, what materials do you need for a bank loan to buy a house? 1, loan application form; 2. Subscription agreement or sales contract; 3. identification; Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards and home visits. If you work in Shanghai, you need to provide a work permit. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. If you work in Shanghai, you only need to provide a marriage certificate issued by the Shanghai company. Credit certificate refers to the annual family financial report, stock trading list and government tax bill of the accounting firm in the country where the foreigner is located. If you work in Shanghai, you only need to provide proof of the company's income in Shanghai. 4 proof of income (including tax bill, bank deposit record and employer's confirmation). Third, what is the first step in the process of buying a house with a bank loan: the buyer and the seller prepare complete information to see a lawyer. Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion; Step 3: The bank reviews the evaluation report and the president signs the loan. Step 4: Lending Note: Banks have different information requirements for buyers and sellers, and the process details are also different. Please refer to the monthly loan handbook. Four, the loan to buy a house should pay attention to six major issues 1, do not use the provident fund before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan. 2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed six months. Don't forget to find the bank around you if you have difficulty in repaying the loan. When the repayment ability declines during the loan period, don't insist on it yourself when there is difficulty in repayment. ICBC customers can apply to ICBC for extending the loan term. If it is verified by the bank that you have not defaulted on the loan principal and interest, ICBC will accept your application for extension. 4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where you lived before to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property. 6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.