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Buying a house can be said to be an exciting thing in life. When it comes to buying a house, people of all ages have it, from young people to old people. For older buyers, it is relatively difficult to apply for loans. The following small series will introduce you to the 50-year-old loan to buy a house?
When you buy a house with a loan at the age of 50, you can mortgage with the bank for up to 15 years. Individual housing loan application conditions:
1. The sum of the applicant's age and loan period shall not exceed 70;
2. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;
3. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;
4. There is a valid guarantee recognized by the handling bank;
5. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;
6./kloc-a natural person who is over 0/8 years old and under 65 years old, has legal and valid identity certificate, residence certificate and income certificate, has no bad credit record and has full capacity for civil conduct;
7. Other conditions stipulated by the handling bank.
What are the precautions for the elderly to buy a house with a loan?
1. Since the relaxation of the loan restriction policy, the proportion of mortgage loans for middle-aged and elderly people has increased significantly. It is worth noting that the middle-aged and elderly people who buy houses are mostly people who are nearing retirement or have retired. If they need to apply for a mortgage, the loan period can be said to be limited.
2. The upper age limit of the borrower is the same as the legal retirement age, but if the lender retires before this age, he cannot apply for a loan. The policies of joint-stock banks are relatively loose. A joint-stock bank stipulates that middle-aged and elderly people, regardless of gender, have a mortgage loan period of 70 years. It doesn't matter whether they retire or not. The key is to see whether their economic income is stable.
3. There are many old people who have not approved the loan for various reasons after signing the house purchase contract, and there will be disputes about returning a house. Therefore, when the elderly buy a house with a loan, they must first seriously consider their own economic ability. If mortgage is adopted, they should also know clearly in advance the procedures and requirements for applying for bank mortgage.
Summary: There are only so many people who can still borrow money to buy a house at the age of 50. Must meet the relevant conditions, pay attention to some events. I hope the above introduction will be helpful to everyone.
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Can I get a loan to buy a house at the age of 65?
First of all, answer directly.
People over the age of 65 can apply for loans, because the major banks stipulate that lenders must be at least 65,438+08 years old, and the age plus loan period should not exceed 70 years old. This means that people over the age of 65 can only apply for loans for five years at most, and it also means that people over the age of 65 can't apply for mortgages, because mortgages are mostly for decades.
Second, the specific analysis
When applying for a loan, the bank will first look at the applicant's ID card and his age, and then evaluate whether he meets the age requirements for the loan. Then it will look at the applicant's repayment ability, such as the applicant's income, whether he has a job or not, and the fixed monthly expenditure, and then calculate whether he can repay the loan on time.
When an individual applies for a loan, if he is stuck because of his age, he can apply for a loan from two or more people. If the bank stipulates that two or more applicants apply for a loan, the loan period can be reasonably determined according to the actual situation, but not all borrowers are over 70 years old with loan years. Unless otherwise stipulated by the local regulatory authorities, the relevant regulations of the local regulatory authorities shall prevail.
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3. How old can I apply for a mortgage?
General banks require borrowers to be 18 years old and have full capacity for civil conduct. The upper limit of the loan age is 60 for men and 55 for women. When the borrower applies for housing mortgage loan or mortgage loan, the loan term+current age shall not exceed the bank loan age limit, that is, men are 60 years old and women are 55 years old.
Property buyers pay provident fund loans on time and meet the conditions of provident fund loans. According to the regulations, the longest term of provident fund loans does not exceed 5 years after the borrower retires. For example, when a man retires at the age of 60, he can only lend to the borrower at the age of 65 at the longest; Women retire at the age of 55, and the longest loan period can only be until the borrower is 60 years old.
However, commercial loans are different, and each bank has different requirements for the age limit of lenders, which may change and adjust with the bank's quota; In most cases, it will be slightly shorter than the life of the provident fund lender.
In second-hand loans, banks generally limit the age of second-hand houses and the age of borrowers. For example, the borrower must not be over 65 years old. Banks have different age requirements for borrowers, and banks require male borrowers to be no older than 65.
The conditions that the applicant needs to meet when buying a house by loan are: the age is between 18-60 years old; Have a stable economic income and be able to repay the loan principal and interest on time; There is a legal and effective purchase contract or agreement; Having assets that can be mortgaged or pledged as approved by the lending bank; Being able to pay the down payment according to the proportion required by the loan bank; Other conditions stipulated by the lending bank.
Can I still borrow money to buy a house when I am 56 years old?
At the age of 56, you can also borrow money to buy a house and apply for a provident fund loan to buy a house.
Specific conditions:
According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows:
First of all, the housing purchased by the applicant must be self-occupied, have a permanent residence in this city or a valid identity document, and have paid the housing provident fund normally for six consecutive months before applying for a loan.
Secondly, the applicant has a stable economic income and no bad credit record. The first suite must pay a down payment of 30% of the house price, and the house below 90 square meters can pay a down payment of 20%. He has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased.
Finally, the guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children.
Extended data:
Factors affecting the term of loan to buy a house and mortgage
1, age of loan applicant
When banks evaluate the repayment period of mortgage loans for borrowers, they first take their age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age+the loan period does not exceed 65 years" is the loan period that the bank can handle for it.
2. Age of the lending institution
When a lender buys a property, the "age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room.
For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.
3, the economic ability of the loan applicant
On the other hand, for applicants who buy a house with loans, such as work income, job stability, savings deposits, assets, etc. It is also a factor that banks consider, and it is also a factor that measures the application time of their loan years.
Borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure. For example, 70% 10 or 15, or even 60% to 50% loan scheme. Borrowers with poor economic strength should pay attention to whether their economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans as high as 80% to 20 years.
How can parents get a loan when they buy a house at the age of 60?
1. Information to be submitted when applying for a loan:
1, identity document;
2. Proof of the borrower's repayment ability;
3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;
4. proof of down payment;
5. Loan guarantee materials;
6. Other documents and materials specified by the lending bank.
Second, the handling process
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB approves loans.
4. Signing: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.
Personal loan application 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 35 of People's Republic of China (PRC) Commercial Bank Law
Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 of People's Republic of China (PRC) Commercial Bank Law
When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.