What are the conditions for commercial loans for 30 years?

1. What are the conditions for a commercial loan of 30 years?

According to you, you can't get a loan for 30 years. The first condition is that the maximum age of a female loan is 55 years old, and the loan period is 55 minus the current age, which means that you are now 12 years old, and the guarantor cannot be his immediate family. The term of commercial loans is not that high. Only the commercial housing mortgage loan has such a high term that you can borrow it when buying a house.

Second, what are the conditions for commercial loans for 30 years?

China Construction Bank can borrow personal housing loans for up to 30 years.

1. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (built or overhauled).

2. Loan term: 30 years at the longest.

Three. Loan interest rate: in accordance with the relevant provisions of the People's Bank of China.

Four. Repayment method: entrusted deduction and counter repayment.

Verb (abbreviation of verb) repayment method: If the loan term is within 1 year (including 1 year), the repayment method of principal and interest shall be implemented in one lump sum; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

Six, apply for a loan should be submitted to the information:

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.

Extended data:

Treatment 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.