To be honest, it's a little unpleasant, too. They are all real estate routines. Although the mortgage can be loaned to the age of 95, it must be guaranteed by family members such as children, and the borrower's pension and monthly income can cover twice the monthly payment. If these conditions cannot be met, you can only apply for a five-year loan period.

If the elderly apply for a loan from a 95-year-old mortgage, but they are unable to repay it, then the children as guarantors are obliged to repay it, and then the bank will definitely make a profit. It is undeniable that there are many cities where the elderly have high pensions and are able to buy a house and repay the mortgage, but why do the elderly buy a house? Is it necessary to fight for a house in the last few decades? Can banks succeed in introducing various policies to encourage the elderly to buy houses?

1. If the old man has money and bought a house when he was young, he should not be short of money now.

2. If the old man didn't buy a house when he was young, he should go back to his hometown to support the elderly when he was old, and it is unlikely to buy a house.

3. If the children need the quota of the first suite, but their quota is used up, they can apply for a loan with the ID card of the elderly, which is feasible. In any case, they will eventually repay the loan.

4. Another possibility is that it is feasible for the elderly to buy a house for their friends or family. In fact, I have to say that banks are vying for loans to buy houses, and even the age of old people is almost no longer limited. Only in this way can we really increase business volume and stimulate real estate, and it is also painstaking. Anyway, I am not satisfied with this policy.