Legal analysis: the maximum term of house purchase loan shall not exceed 20 years.

Legal basis: Measures for the Administration of Individual Housing Loans

Article 10 The lender shall reasonably determine the loan term according to the actual situation, but the longest term shall not exceed 20 years.

Article 11 The borrower shall work out a repayment plan with the loan bank. If the loan term is within 65,438+0 years (including 65,438+0 years), the borrower will repay the principal and interest at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly.

Second, how many years can a mortgage loan last?

The loan period is determined according to one's own economic ability, and the longest loan period is 30 years and the shortest is 2 years. Of course, the longer the loan term, the more the total interest. If it is a new house, a developer will do it for you; If it is a second-hand house, you need to use the real estate license and land use certificate as collateral, and the general house payment is within one month!

3. How old can I buy a house with a loan at most?

For example, in China Merchants Bank, the personal loan amount is generally not less than 50,000 yuan, and different types of loans have different amounts. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service and provide detailed information of the city. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.