At present, it is known that the maximum application age of ICBC and China Construction Bank in mortgage loans has been raised to 70 years old, that is, the sum of the lender's age and loan term does not exceed 75 years old; For example, when the lender is 50 years old, the longest loan period is 20 years, and now it is 25 years. When the borrower is 60 years old, the longest loan period is 65,438+00 years, and now it is 65,438+05 years.

2018 on April 20th, ICBC extended the maximum age of individual housing loan borrowers from 65 to 70, and the sum of the borrower's age and the loan term should not exceed 75; The relevant person in charge of ICBC said that the adjustment of the relevant mortgage policy is to adapt to the development trend of China's population, meet the housing self-occupation and improvement needs of residents of different ages, especially middle-aged and above, and reduce their economic pressure.

To apply for ICBC mortgage loan, you need the following information:

1, valid identity documents and proof of marital status of the borrower and spouse;

2. The borrower's household registration certificate (household registration book or other valid residence certificate);

3, the borrower's economic income certificate and occupation certificate;

4. The Commercial Housing Sale (Pre-sale) Contract or the Letter of Intent to Purchase Commercial Housing signed by the borrower and the real estate development enterprise;

5. The down payment receipt or invoice issued by the real estate development enterprise;

6. Other documents or materials required by China Industrial and Commercial Bank.

The bank's restriction on the age of the lender is a measure to control the loan risk. If the borrower is too old, the loan risk will become higher. If the lender is too young and has no stable income, the repayment ability is also worth considering by the bank.