No, if your mother is still working, she can still get a loan of 10 years, because the current policy is to cap women at 60, but your mother has retired and does not have the policy income requirements required by the bank, so she can't mortgage. You can buy it in your name and live with your mother.

Second, how do parents borrow money when they buy a house at the age of 60?

The ways to buy a house with a 60-year loan are: 1. Mortgage loan: The elderly can take their old houses or valuables to the bank for mortgage loan. 2. Secured loan: It is also a way for the elderly to use secured loans. You can ask acquaintances or friends to help guarantee, so that you can get a loan smoothly, but this is more difficult, mainly because it is difficult to find a guarantor and there are many procedures to go. 3. Personal mortgage relay loan: If the elderly borrow money to buy a house, they can also choose to let their children apply for loans together or sign the real estate license together. In this way, the loan term can be extended by relying on the income and repayment ability of one party. Of course, the best way is for children to buy houses for the elderly, so that banks can issue loans more easily. However, if the elderly insist on buying their own houses, they will add their children's names and extend the loan period. Usually, the lender can borrow within 18-65 weeks. However, certain conditions must be met, such as providing legal and valid documents, having no bad credit record and having full capacity for civil conduct; Secondly, the sum of the applicant's age and the loan period does not exceed 70; Finally, the borrower has the ability to repay the loan principal and interest; Of course, different banks have different age requirements for lenders, depending on the bank. 1. Housing loan, also known as housing mortgage loan, means that the buyer fills in the Application Form for Housing Mortgage Loan to the loan bank and provides the supporting documents required by legal documents, such as ID card, income certificate, house sales contract, letter of guarantee, etc. After passing the examination, the loan bank promises the loan to the buyer, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank will register and notarize the real estate mortgage within the time limit stipulated in the contract. 2. General mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Among various financing channels, real estate mortgage loans are still one of the lowest cost ways.

Third, can the elderly borrow money to buy a house?

general situation

The age requirement that the lender needs to meet is generally a natural person of 18-60 (Hong Kong and Macao). However, there are some differences because different banks have different policies on lending according to bank regulations. Generally speaking, the requirements are as follows:

1. A natural person under the age of 18 (inclusive), with legal and valid income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70 years old;

Three, the purchase contract or agreement, and pay the down payment to the borrower in accordance with the provisions;

Four, the borrower's occupation and economic income is stable, with

5. It has a valid guarantee recognized by the handling bank;

Six, in the handling bank to open a personal settlement account, and through natural person payment and repayment and other settlement services;

7. Other conditions stipulated by the bank.

What should the elderly pay attention to when buying a house?

First, the floor should be low, and it is best to choose the 1-2 floor. The higher floor must have an elevator.

Make sure that the bedroom and living room face south or southeast.

Third, choose a house with good lighting and ventilation.

Fourth, try to choose a house.

Fifth, the size of the apartment is appropriate.

6. Ensure 24-hour hot water supply.

Seven, the decoration should use warm colors, bathrooms and indoor floors must be non-slip.

Eight, reliable winter heating facilities, try to choose the municipal central heating mode, in order to alleviate the transition period should be equipped with auxiliary facilities such as heating and cooling air conditioning.

Collect at home.

Ten, indoor sound insulation performance is good, try to choose buildings far away from the main road.

In what ways can the elderly borrow money to buy a house?

I. Mortgage loan

Older people can consider mortgage loans. If they had a suite before, or had some valuables, they could also take the loan as collateral.

Second, secured loans.

This kind of guarantor is hard to find and has to go through many procedures. You can find some of your own acquaintances and friends, so you can get a loan with a guarantee. It is better to notarize the specific matters.

Third, personal mortgage relay loan.

The elderly can choose to sign the application together with their children, and can extend the loan life by relying on the income and repayment ability of one of them (the actual lender).

Of course, the best way is for children to buy a house for the elderly, which is also a common way at present. Many children have the ability to help their parents borrow money, and banks can lend money; If the elderly insist on adding their children's names to extend the loan period.