But banks generally don't do it for that long, and they have to decide whether to lend and how long to lend according to the age of the house. It is difficult to do real estate for more than ten years. The loan company can achieve 15 years or so. The older the property, the shorter the loan time. The benchmark interest rates are 5.3 1 per year, 5.4 for three years, 5.76 for five years and 5.94 for six to thirty years. After the loan expires, it is theoretically possible to borrow from the property again, but considering the age of the house after repayment, it may not be possible to handle it.

Mortgage is usually 10 years, 15 years, 20 years, up to 25 years and 30 years, which is very rare. In terms of mortgage amount, the housing is generally around 60%, and the highest 70% will not be given. Public construction accounts for about 50%. The mortgage time of public construction is short, generally three years, and the interest rate should be raised, 10 or 30, as the case may be. If you don't have personal property mortgage, you can find a trusted relative and friend to mortgage the loan with their property. The mortgage interest rate of the third party mortgage will be lower than the mortgage interest rate of the personal property, and the mortgagor and the borrower need to sign in person. The mortgagor and the borrower shall not be over 60 years old. Of course, it is generally not particularly easy to borrow after 50. At the same time, income and credit are also considered by banks.

Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for its loan and assumes joint liability. This is a triangle relationship which is connected by house sales contract, house mortgage agreement and house mortgage loan contract.

Mortgage loan of real estate license actually refers to the bank loan varieties that can be listed and circulated with the existing commercial houses of customers as collateral. Unlike second-hand property loans and first-hand property loans, customers already own the property, not about to own it. Mortgage housing loans need to have clear loan purposes and shall not be used for purposes explicitly prohibited by laws and regulations. For example, real estate speculation is not allowed. It is required that the use of mortgage loans should be earmarked and subject to the supervision of lending institutions and regulatory agencies. If violations are found, the bank has the right to recover the loan.

Lender's conditions:

First, the actual age of a natural person with full capacity for civil conduct when the loan expires is generally not more than 65 years old; Secondly, there are permanent accounts and permanent accounts; Have a suitable job and a stable source of income, and have the ability to repay the loan principal and interest on time; 3. Willing and able to provide real estate mortgage loans approved by the lender; Fourth, some people in real estate * * * admit their relevant borrowing and guarantee behaviors and are willing to bear relevant legal responsibilities.

Collateral conditions:

The property right of the house is clear, which meets the listing and trading conditions stipulated by the state and can enter the real estate market without other mortgages; Age of the house (calculated from the date of completion of the house)+loan period not exceeding 40 years; Mortgaged houses are not included in the local urban reconstruction and demolition planning, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to allow the borrower to apply for a loan with his property as collateral, and require the mortgagor, his spouse or other property to sign the materials submitted by the lender:

The materials to be provided by the borrower include: ID card and household registration book; Personal income certificate (official seal); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; Original and photocopy of the house ownership certificate and the house purchase agreement; The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use.