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How can a 60-year-old man get a commercial loan to buy a house?
People over 60 can't buy a house with a mortgage.

There are some differences in commercial loans due to different policies in different regions.

The general requirements are:

1.1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The actual age of the borrower plus the loan application period should not exceed 70 years old;

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses;

6. There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.

Information to be provided by the borrower:

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies;

3. Proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.