There is an age limit for bank loans. According to the regulations of individual loans of various banks, the age limit of housing loans in China is 18 years old or above, but in practice it may be 20 years old, and the actual lender's age and loan period cannot exceed 65 years old. Individual banks may be different. Please consult the relevant bank staff for details.
Legal objectivity:
1.65,438+08 can I borrow money to buy a house? 65,438+08 years old can borrow money to buy a house. After confirming that the property you choose has bank mortgage support, buyers should know about the bank's regulations on mortgage support for buyers, prepare relevant legal documents and fill in the mortgage application form. Conditions for buying a house by loan: (1) Conditions required by the borrower 1. /kloc-natural person aged 0/8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed) 2. Have a stable job and income, and be able to repay the loan principal and interest on schedule. The actual age of the borrower plus the number of years to apply for a loan should not exceed 70 years old. Personal housing mortgage loan process 1. 2) After the approval of the loan bank, the loan letter of intent will be issued, and the borrower will receive the required forms for the loan. 3) The borrower shall sign a contract or agreement with the sales unit with the letter of intent for loan. 4) The borrower signs a mortgage contract with the loan bank and deposits the self-raised funds into the loan bank. 5) The borrower goes through the guarantee procedures: the borrower with real estate mortgage goes to the property right department to go through the Certificate of Other Property Rights and the Confirmation of Real Estate Mortgage. Where securities are pledged, they shall be kept by the lending bank and a loan contract shall be signed. 6) Housing loan: the loan bank transfers the loan together with the borrower's deposit into the account of the selling unit, and the borrower pays the loan for building or repairing the house according to the loan contract.