Yes, retirement is also a requirement for applying for a housing loan.
Age requirements: women should not exceed 60 years old and men should not exceed 65 years old.
Need information ID card, household registration book, marriage certificate, income
(Married couples provide information)
Submit the information to the bank for approval, and the bank will inform you to lend money after the approval.
Second, can you still borrow money to buy a house after retirement?
1. Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);
2. Original purchase agreement;
3.65438+ original and 0 copies of the advance payment receipt for 30% or more of the house price;
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;
5. The developer's collection account number 1 copy.
Two. Mortgage loan conditions:
1. Aged between 18-65 years old, with full capacity for civil conduct;
2. Pay the down payment;
3. Have a stable legal income and the ability to repay interest;
4. The borrower agrees to use the purchased house and its rights and interests as collateral;
5. The purchased second-hand house has clear property rights and meets the requirements for entering the real estate market stipulated by the Beijing Municipal Government;
6. The purchased house is not within the scope of the announcement;
7. Other conditions required by the lending bank.
Third, the conditions for retirees to borrow money to buy a house
You can also borrow money to buy a house after retirement. There are the following restrictions: 1, age limit: retirees can apply for housing loans as long as they do not exceed the upper limit of 60 and 65. 2. Loan life: The sum of the borrower's age and repayment life cannot exceed 70 years. 3. Loan procedures: Banks have clear and strict requirements on the procedures for handling housing loans. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 14 The loan investigation includes but is not limited to the following contents: (1) Basic information of the borrower; (2) The income of the borrower; (3) the purpose of the loan; (4) The source, ability and method of repayment of the borrower; (5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.
I am a retired worker from other places in this province. Both husband and wife are retired. Do you want to buy a house in Changsha?
To buy a house in a different place, you need to provide local tax payment certificate or social insurance payment certificate 1 year or more. If non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased; There are many kinds of loans to buy a house, including provident fund loans and commercial loans.
If the provident fund loan is just before the loan, you should know how much money is in your provident fund account and how much money the unit gives you every month. Only by knowing your own situation can you get a loan. If it is a commercial loan, it is necessary to measure financial ability. The approval procedures and processes of each bank are different, but lenders are generally required to provide: household registration certificate provided by the public security organ where the household registration is located, job certificate issued by the unit, income certificate, local temporary residence permit, local fixed contact address and contact information. The bank will check the lender's credit history and so on; .