What is the longest loan period for applying for a bank loan for studying abroad (house mortgage)? Can I start paying back the money after I finish my studies? Or do parents have to pay interest and principal every month? Hello ~ ~● Personal mortgage loan (Beijing) The borrower applies for a loan from the bank for legal purposes with the property with full property rights in his name or other people's name as collateral. Business features: 1, long loan period, up to 20 years; 2. The loan amount is high, which can reach 70% of the appraised value of the house; 3. The repayment method is flexible, and you can choose equal monthly principal and interest or average capital repayment. Application conditions: 1, the applicant has valid identity documents and is a natural person aged 18-60; 2. The applicant has a legitimate occupation and stable income, and has the ability to repay the principal and interest of the loan on schedule; 3. The applicant has no bad credit record; 4. Commercial houses, public houses, villas, shops and office buildings with property rights can be provided. Application process: 1 Apply and register; 2. Submit information; 3 interview and review; 4. Sign the entrustment agreement; 5. Housing evaluation; 6. Bank approval; 7. Pass the examination and pay the guarantee fee; 8. Apply for mortgage registration; 9 Information required for bank loan: 1, ID card of borrower and spouse, household registration book, marriage certificate 2, income certificate (other financial certificates) 3, house property certificate 4, real estate appraisal report 84493 1 16 Mr. Tang.