Legal analysis: the longest service life is 30 years, whichever is the older of the husband and wife, and the age plus the loan period cannot exceed 70 years, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47 years, and the building age plus loan period of steel-concrete structure cannot exceed 57 years.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Second, how to buy a second-hand housing loan and how long can it last?

It seems to be divided into cities. Generally speaking, some cities have restrictions on the area of second-hand housing loans, and the maximum amount can generally reach 50%. You must have a mortgage. You can use the house you bought as collateral, and you must prove your repayment in kind. You can call the bank credit department in your city. Their service is good, right?

Third, how to calculate the monthly loan repayment?

Calculate how much it will cost to decorate your home.

Now the loan to buy a house is already a non-price increase, which is helpful for the loan. When applying for a mortgage, what is the key consideration? What are the repayment methods of housing loans? Let's get to know them. \ r \ n \ r \ n \ r \ n \ r \ n \ rless \ r \ nTo calculate how much loan you need to repay each month, you should first look at the way you choose the repayment party with equal principal and interest. If the repayment method is average capital, it can be calculated according to the formula (accumulated repaid loan principal amount) × monthly interest rate = monthly repayment amount. \r\ n \ r \ n \ r \ n \ r \ n \ r \ The repayment methods of house loan are \r\n 1 and equal repayment of principal and interest \ r \ This is the repayment method chosen by many people and recommended by banks. The borrower only needs to repay the principal and interest of the bank loan in an equal amount every month, that is, then distribute it evenly and repay it in this amount every month. \r\n\r\n\r\n2, repayment of equal principal \ r \ n \ r \ n \ r \ nRepayment in average capital is also common at present, but it is only suitable for people with higher income. \ r \ n \ r \ n. One-time repayment of principal and interest \ r \ n \ r \ nOne-time repayment of principal and interest refers to prepayment, but the bank has certain regulations on this repayment method. For example, if the loan term is within one year (including one year), the principal and interest must be paid off together. \r\n\r\n\r\n4。 Repaying the principal and interest on schedule \ r \ n \ r \ n \ r \ nIf the buyer chooses the repayment method of repaying the principal and interest on schedule, then the borrower needs to work out a repayment time unit different from the bank interest repayment. \ r \ n \ r \ n \ r \ Abstract: The above are all about how to calculate the monthly repayment amount of the loan, and what are the repayment methods of the house loan, hoping to help everyone. Want to know more.

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