Of course, even if you are over 50 years old, you are still eligible to apply for a loan, but because the borrower is too old and risky, the bank is more likely to refuse the loan.
Therefore, it is suggested that when you apply for a loan, you should find a person with good reputation as a guarantee, so that the chances of loan success will be higher. If you have enough income from assets, you can also provide more information on income from assets to prove your repayment ability, and apply for mortgage loan directly with assets as collateral.
Loan terms:
At present, applying for personal loans to spend in advance has become a lifestyle that people gradually accept. Enjoy first, then consume, and get personal loans, so that modern urbanites with an increasingly accelerated pace of life can alleviate the pressure brought by all aspects. In recent years, by continuously expanding personal loan business, banks have launched a series of comprehensive and fast personal loan services. For example, personal consumption loans, including personal study abroad loans, personal travel loans, personal car loans and so on. So, what conditions do all kinds of personal loan businesses need to meet?
Generally speaking, to apply for a personal loan, you need to meet the following conditions:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.
Second hand mortgage loan
1. ID card, marriage certificate, household registration book and marriage certificate (single certificate) of the borrower and the seller.
2. Transaction of real estate license, the average real estate does not exceed 15 years.
3. Housing sales contract.
4. proof of down payment.
5, the borrower's income certificate, salary details, bank flow, etc.
6. Other materials required by the bank.
7. A just statement that someone agrees to mortgage the property.