2. If the loan is used for consumption payment, the time of mortgage loan is generally 10 year;
3. If the loan is used to buy real estate, the mortgage time of the house is generally 30 years.
The above is the mortgage loan period, and different houses will have different loan periods.
The amount of mortgage loan is closely related to the valuation of the house. The higher the house valuation, the more money users get, and the lower the house valuation, the less money users get. And the amount of funds available to different houses is different. Residential buildings can get 70% of the house valuation, and commercial buildings such as shops and office buildings can get 60% of the house valuation. The time of mortgage loan is related to the age of the house and the age of the user. The older the user, the shorter the time. Moreover, most banks stipulate that the age of the house and the age of the user together cannot exceed a certain value, and users should decide related matters according to their actual situation.