1. If the loan is used for production and operation, the mortgage loan period is generally 5 years;

2. If the loan is used for consumption payment, the time of mortgage loan is generally 10 year;

3. If the loan is used to buy real estate, the mortgage time of the house is generally 30 years.

The above is the mortgage loan period, and different houses will have different loan periods.

Housing mortgage loan information

The amount of mortgage loan funds is closely related to the valuation of the house. The higher the house valuation, the more funds users get, and the lower the house valuation, the less funds users get. And the amount of funds available to different houses is different. Residential buildings can get 70% of the house valuation, and commercial buildings such as shops and office buildings can get 60% of the house valuation. The time of mortgage loan is related to the age of the house and the age of the user. The older the user, the shorter the time. Moreover, most banks stipulate that the age of the house and the age of the user together cannot exceed a certain value, and users should decide related matters according to their actual situation.

What is the longest term of housing loan?

If the borrower purchases a house, the loan term shall not exceed 30 years at the longest; If the borrower purchases a commercial house and a "commercial-residential dual-use house", the longest loan period shall not exceed 10 year. The loan period of housing provident fund is extended for 5 years, and men can borrow to 65 years old and women can borrow to 60 years old; Some ordinary banks can lend commercial loans to men up to 70 years old and women up to 65 years old.

How to stipulate the term of commercial loans?

The specific loan period should be calculated according to the individual's age (male: no more than 65 years old, female: no more than 60 years old. For example, if a man is 54 years old now, his longest loan period can only be 1 1 year. 65-54= 1 1。 Others are discussed in turn. ), and the longest loan period of each bank is different. The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years.

How to stipulate the loan period of individual housing provident fund?

The longest loan period of housing provident fund shall not exceed 30 years, and the borrower's age shall not exceed the national statutory retirement age, that is, men shall not exceed 60 years of age and women shall not exceed 55 years of age. If both the loan applicant and the spouse meet the conditions for applying for housing provident fund loans, the loan term can be calculated according to the party with longer remaining working years.

How is the term of portfolio loan stipulated?

The term of provident fund loans and commercial loans in portfolio loans must be the same, and the longest loan term stipulated at the same time should not exceed the statutory retirement age (the longest loan term of commercial housing is 30 years; The longest loan period for private property transfer houses and auction houses is 20 years.

How many years is the personal housing loan at most?

The longest loan term of individual housing loan is 30 years, and each loan term is determined by the commercial bank through consultation with the borrower according to the borrower's age, working years, repayment ability and other factors. The term of individual housing loan shall not exceed 30 years at the longest; The loan term of commercial housing and "commercial and residential dual-use housing" shall not exceed 10 year at the longest; The borrower's age plus the loan period shall not exceed 70 years at the longest.

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The longest loan period for individual housing is 30 years, but not everyone can get the longest loan period. The loan term is determined by a series of factors such as the lender's qualification.

How many years of mortgage can I borrow at most?

The longest mortgage loan can be 30 years, but note that the sum of your loan period plus your age cannot exceed 5 years after the statutory retirement age (retirement at 60 for men and retirement at 55 for women).

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).

Common sense of loan interest

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

(two) banks can use the product interest method and the transaction interest method to calculate interest.

How many years can a mortgage last?

Mortgage loans can last as long as 30 years. The mortgage rate of commercial housing can reach up to 70%; The mortgage rate of office buildings and shops can reach up to 60%; The mortgage rate of industrial plants can reach up to 50%; , the longest period can reach 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.