You can't.
Generally, homeowners over 60 are not allowed to apply for mortgage loans. It is suggested that the property can be transferred to the children's name first, and then the mortgage loan can be made, that is to say, as long as they provide the house mortgage as a guarantee, then other people under 60 who have the repayment ability (usually children) can take the loan as borrowers.
Housing mortgage loan conditions require that the service life of the house be within 20 years; The housing area should be more than 60 square meters; The appraised price of the house should exceed 6.5438+0 million, and the mortgagor's loan amount should be at least 500,000, so a spare house is needed.
There are two ways of real estate mortgage loan: one is personal real estate mortgage consumer loan. Different banks have different interest rates, with the lowest 15. Second, the real estate mortgage loan business. Generally, the lowest interest rate rises 16, and the current benchmark interest rate is 7.05.
As for which bank to choose, you can choose after consulting according to your own situation.
Can I still apply for a mortgage when I am 2.70 years old?
You can't.
Loan conditions of mortgage loan:
Have a legal status;
Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;
There is a legal and effective purchase contract;
If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.
Can a 3.70-year-old man's house be mortgaged?
Legal analysis: the loan conditions of mortgage loan No.1: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
Article 400 To establish a mortgage, the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.
Article 419 During the limitation of action for principal creditor's rights, the mortgagee shall exercise the right of mortgage. If it is not exercised, people will not be protected.
Fourth, can the property of the elderly over 70 be mortgaged?
You can't.
Generally, homeowners over 60 are not allowed to apply for mortgage loans. It is suggested that the property can be transferred to the children's name first, and then the mortgage loan can be made, that is to say, as long as they provide the house mortgage as a guarantee, then other people under 60 who have the repayment ability (usually children) can take the loan as borrowers.
Housing mortgage loan conditions require that the service life of the house be within 20 years; The housing area should be more than 60 square meters; The appraised price of the house should exceed 6.5438+0 million, and the mortgagor's loan amount should be at least 500,000, so a spare house is needed.
There are two ways of real estate mortgage loan: one is personal real estate mortgage consumer loan. Bank interest rates are different, real estate mortgage business loans. Interest rate-The benchmark interest rate is 7.05.
As for which bank to choose, you can consult them all, according to