When buying a house loan, age will affect the loan pass rate. Compared with professionals, the income and assets of newcomers just entering the society are quite different. So age is very important for loans. Then, the maximum age limit for mortgage, the minimum age limit for mortgage, and the age limit for mortgage to 30 years? Next, let's look at the age limit of mortgage.
First, the maximum age limit for mortgage loans.
1. Maximum age limit for mortgage loans. The age of male loan is not over 65, and the age of female loan is not over 60. When you apply for a mortgage loan, you need to choose the loan term according to your actual age and your repayment ability.
2. According to the regulations of banks on personal loans, the borrower must first have full capacity for civil conduct. In China, the age limit for housing loans is 18 years old or above, but in practice it may be over 20 years old, in which men cannot exceed 60 years old and women cannot exceed 55 years old. Banks may have different regulations.
3. If the purchaser pays the provident fund loan on time and meets the conditions of the provident fund loan, according to the regulations, the longest term of the provident fund loan shall not exceed 5 years after the borrower retires. For example, when a man retires at the age of 60, he can only lend to the borrower at the age of 65 at the longest; Women retire at the age of 55, and the longest loan period can only be until the borrower is 60 years old. However, commercial loans are different, and each bank has different requirements for the age limit of lenders, which may change and adjust with the bank's quota; In most cases, it will be slightly shorter than the life of the provident fund lender.
4. In the second-hand housing loan, banks generally limit the age of the second-hand housing and the age of the borrower. For example, the borrower should not be over 65 years old. Banks have different age requirements for borrowers, and banks require male borrowers to be no older than 65.
Second, what is the minimum mortgage age?
What is the minimum mortgage age? Minimum mortgage age 18.
Mortgage loan conditions:
1, aged between 18 and 65 years old, with full capacity for civil conduct.
2. Pay the down payment.
3. Have a stable legal income and the ability to repay interest.
4. The borrower agrees to use the purchased house and its rights and interests as collateral.
5. The purchased second-hand house has clear property rights, which meets the requirements for entering the real estate market stipulated by the Beijing Municipal Government.
6. The purchased house is not within the scope of the announcement.
7. Other conditions required by the lending bank.
The process of mortgage loan:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
Third, how much is the mortgage period limited to 30 years?
1. What is the 30-year term of mortgage loan? Generally speaking, loan applicants under 40 need to apply for a 30-year mortgage loan. According to the regulations, the loan period and the lender's age of mortgage cannot exceed 65 (some banks can relax to 70), and 30 years is the longest loan period. Therefore, generally speaking, only borrowers under 40 can apply for a 30-year mortgage loan.
Expert introduction:
Different banking institutions and different loan products have different requirements for the age limit of lenders. Usually, the bank will require the lender 18-60 years old, and the lender's age cannot exceed 65 years old. Some banks will relax the age of lenders. If ICBC relaxes the maximum age of individual housing loans to 70, the sum of the borrower's age and the loan period shall not exceed 75.
According to relevant regulations:
Apply for provident fund loans, in line with the premise of provident fund loans, the longest loan period can not exceed 5 years after the borrower retires. However, it is difficult for people over 60 to apply for loans. Even if you can apply for a loan, the loan period is short and the loan amount is small. Because the 60-year-old is in the retirement stage, the risk is too high for banks, and getting older means losing a stable source of repayment.
Second, can college students apply for a mortgage? What should I pay attention to?
Ask the bank.
3. What is the age limit for housing loans?
Generally, the upper limit of mortgage age is 65 for both men and women, and some banks can extend it to 70 for men. In view of this problem, let's see what methods can match the principal and interest with the average capital. Which way is more advantageous to buyers? Which way to save money is partial prepayment or one-time full repayment? For property buyers, besides equal principal and interest and average capital, are there other ways to save money? I believe everyone is very concerned about this issue. What kind of loan to use depends on the specific situation: if you sign a loan contract with the bank, it is agreed to be 20 years, 1. If you don't repay in advance within the 20-year repayment period, it is more cost-effective to use the repayment method of average capital. Relatively speaking, interest will be paid less, and how much less depends on the amount of your loan. The more the loan amount, the greater the interest gap between the two repayment methods. 2. If you have money and need to pay it back in advance, then the two repayment methods are similar, with little difference. In this case, it is recommended to choose the method of equal principal and interest for repayment. Because the monthly payment is fixed, it is easier to remember. You repaid the principal in advance. If your principal is reduced, the later interest will be much less, which is of course quite cost-effective. Therefore, if it can be returned at one time in a short time, it is certainly more cost-effective at one time. But if you save enough money after n years, you should also consider the issue of inflation. Generally speaking, most banks have only two repayment methods for mortgage loans, one is equal principal and interest, and the other is average capital. There is also a way to repay the interest first and then the principal, but this repayment method is relatively aimed at small loans, and many banks will not adopt this repayment method. If the elderly can't get a loan and their children have bought a house in other places, can they get a loan from their children? Are there any restrictions or special regulations? How many years can I keep it? Does the main lender need to apply for a title certificate? You can buy a house by your children, but you must borrow money from the bank in their name. The essence is that your child buys a house. There are no restrictions, but the second home loan, loan ratio and interest rate cannot enjoy the preferential conditions of the first home mortgage loan. Generally speaking, the longest term of the second housing loan is 30 years, but only the new house in the last two years can be loaned for 30 years, and the borrower is under 30 years old, and the main borrower must obtain the property right certificate.
4. What is the age limit for mortgage?
1. How old is the mortgage age limit?
1, mortgage age limit
(1) Bank loans must be at least 18 years old and have full capacity for civil conduct. The upper limit of loan age is 60 for men and 55 for women;
(2) The borrower's mortgage loan has a limited term, that is, the male is 60 years old and the female is 55 years old;
(3) Certain restrictions, different lending institutions have different requirements.
2. Article 38 of the Interim Measures for Loan Management
The Lender shall, in accordance with the provisions of laws and regulations and the loan contract, bear the same use and use responsibilities as agreed in the rolling stove ode contract.
2. What are the application conditions for personal mortgage?
The application conditions for personal mortgage are as follows
1, a natural person under the age of 18 (inclusive), with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;
2. There is an agreement that the borrower can pay the down payment that meets the requirements;
4. The lender has a stable occupation, sustained and stable economic income and the ability to repay the principal and interest of the loan;
5. It has a valid guarantee recognized by the handling bank;
6. You need to open a personal family financial card in the bank to handle the loan payment.
7. Meet other conditions stipulated by the mortgage handling bank.