Second-hand housing loans can be loaned for up to 30 years. When applying for a loan, the bank will comprehensively determine the actual loanable period of the second-hand house according to the borrower's economic situation, age and age. Under normal circumstances, the sum of the borrower's age and loan term cannot exceed 65 years, and it can be appropriately extended to 70 years if it is a quality customer.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

The bank examines the borrower's loan application, purchase contract, agreement and related materials.

The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. The loan applicant repays the loan on a monthly basis.

There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.