A mortgage loan can last for up to two years. The mortgage loan with a maximum of two years should be determined according to various factors. Generally, mortgage loans for new houses can last up to 30 years. If it is a second-hand housing mortgage, it cannot exceed 20 years. But it mainly depends on the policies and regulations of banks all over the country, because different banks, even the same bank, have different time limits. For example, in some areas, the longest loan period for purchasing a second home is reduced to 25 years.

In addition, the longest term of loans for different properties is also different. The longest loan period for ordinary housing is 30 years; For commercial buildings and commercial and residential apartments, the longest loan period is 10 year. The age of the lender will also affect the loan term. Some banks stipulate that the lender's age+loan period cannot exceed the retirement age of himself and his spouse or must be less than 70 years old. Actually, it depends on the current banking policy.

What are the requirements for housing mortgage loan conditions? My house mortgage loan is a RMB loan guarantee loan issued by the bank of the Industrial and Commercial Bureau to the borrower for my legal purpose, with the house property in my name as the mortgage. My mortgage loan can be used for various transactions, such as buying a house, buying a car, studying abroad, medical care and so on. , can also be used for business or other legitimate purposes to meet your various loan needs.

Application criteria 1. General partner with full capacity for civil conduct, aged between 18 (inclusive) and 65 (none); Foreigners as borrowers and their Hong Kong, Macao and Taiwan residents must have settled in People's Republic of China (PRC) for one year and have a fixed residence and occupation. If the loan is used to buy a house, it must also comply with the relevant policies for people outside China to buy a house;

2. Have legal and valid identity documents, residence certificates (or reasonable work certificates) and unmarried certificates (or single declaration);

3. Have a good personal credit record and willingness to repay;

4. Have a stable source of income and the ability to repay the loan interest in full and on time;

5. There is a clear main purpose of the loan; The main purpose of the loan complies with the laws, regulations and relevant provisions of China. The service commitment loan will not be injected into the financial market and futures trading market in any form, and will be used for total equity investment, development and design of construction projects, and will not be used for borrowing to seek illegal income, as well as other non-operating projects stipulated by laws and regulations of China;

6. Being able to provide reasonable, lawful, reasonable and reliable real estate mortgage recognized by the bank;

7. Open a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by the bank.