The upper age limit for bank loans is 60 for men and 55 for women. When the borrower applies for housing mortgage loan or mortgage loan, the loan term and current age shall not exceed the bank loan age limit, that is, the male is 60 years old and the female is 55 years old.

Different lending institutions have different requirements. Compared with loan companies, banks have slightly lower age requirements for borrowers.

The conditions for applying for a personal mortgage are as follows: 1. A natural person with 18 or above and under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full civil capacity. The actual age of the borrower plus the loan application period shall not exceed 70 years old.

Second, there is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest.

Third, there is a valid guarantee recognized by the handling bank, opening a personal settlement account in the handling bank, handling settlement business such as loan withdrawal and repayment, and meeting other conditions stipulated by the handling bank.

I would like to remind you that before applying for a loan, you must have a clear understanding of the loan requirements, make a reasonable judgment according to your actual needs, and find a suitable loan product.

How many years can I borrow a mortgage? How old at most?

According to the bank loan regulations, the longest loanable period of mortgage is 30 years. Generally, banks will subtract your actual age according to your age (male 65, female 60) after five years of statutory retirement, and the remaining figure is the maximum number of years you can borrow money.

In other words, the longest mortgage loan can reach 65 years old, of course, the specific situation should be subject to the provisions of the loan application bank. For example, the sum of ICBC's housing loan period and the borrower's age cannot exceed 65 years, and the shortest mortgage is 1 year and the longest is 30 years; The borrower's age and loan time of China Everbright Bank cannot exceed 65 years, and the longest term of mortgage is 30 years.

Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans.

According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.

Application conditions

Housing loan (provident fund loan) application conditions:

(1) has valid identification;

(2) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

(3) Persons who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the housing provident fund has been continuously paid for at least 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing housing loans.

(4) One of the husband and wife has applied for housing provident fund loans, and neither husband nor wife can obtain housing provident fund loans again before paying off the principal and interest of the loans. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

(5) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

That is, when applying for housing provident fund loans, applicants are generally required to have no large loans, such as outstanding housing commercial loans and auto loans.

What is the loan age limit?

1. According to national requirements, the age of the customer applying for the loan needs to be above 18 years old;

2. There are some loan commodities, and the time is limited according to the gender of the lender. The age limit for female applicants is over 22 years old, and the age limit for male applicants is 20 years old;

3. Before applying for a personal credit loan, the lender may consult the lending institution in detail in advance, and then apply for a loan after confirming that it meets the criteria for applying for a loan.

1. Housing loan means that the buyer applies for a loan from the bank and takes the house as collateral, and at the same time the buyer needs to submit supporting documents to provide requirements. If the bank finds that it meets the standards through verification, it can promise to issue loans to property buyers. And according to the real estate sales contract provided by the buyer and the contract signed with the bank and the buyer, apply for real estate mortgage filing and justice. After that, the bank will directly transfer the loan assets to the account of the house selling enterprise in the bank within the time limit required by the contract.

2, the emergence of loan risk, often began in the loan review stage, we can see in the comprehensive judicial practice, the risk of loan review stage mainly appears in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

3. Legal content of pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender.

How old can't I borrow money to buy a house?

Generally/kloc-people under 0/8 years of age and people over the legal retirement age of 65 years of age can't apply for a mortgage, and the mortgage application time plus the borrower's age can't generally exceed the last five years of the legal retirement age. Now women retire at 60 and men retire at 65. To apply for a mortgage loan, the borrower needs to have full capacity for civil conduct, a stable job and income, and good credit. But below 18, retired people do not meet the application conditions and cannot apply for a mortgage.

1. When is it possible to refuse a loan when buying a house?

1. People who are not qualified to buy a house: At present, there is such a situation in the market that they apply for a loan first and then submit materials. Unqualified here means that banks will refuse loans if they are not qualified to buy houses.

2. Bad personal credit record: three consecutive overdue records accumulated six times. In principle, banks can refuse loans. Overdue records include credit card repayment, mortgage repayment and car loan repayment. Overdue records will appear in your personal credit record.

3. Providing false information: When applying for a commercial loan, if the applicant submits false information, such as income certificate or contact information, once the bank finds the information false, the bank will refuse the loan. Even if the personal credit record is good, it can't be recovered.

4. It has the nature of fraudulent loans: fraudulent loans refer to the inflated loan amount when applying for loans, which will increase the loan risk of bank lending institutions and will be recognized as fraudulent loans. There are also unrelated and fictitious transactions, which increase the loan risk of banks and other lending institutions and are also considered as fraudulent loans.

5. Lenders are over 50 years old: general banks stipulate that applicants are 18-65 years old, of which 25-40 years old is the group welcomed by banks, followed by 18-25 years old and 40-50 years old. People aged 50-65 are generally not allowed to apply for housing loans. Because the older the lender is, the greater the chance of health problems, which will affect the repayment of the loan, so the higher the risk the bank will bear.

Is there an age limit for mortgage? What if the housing loan cannot be approved?

Is there an age limit? What if the house can't be approved? Now most people will use loans to buy a house, which can not only reduce the pressure of life, but also live in their favorite house in advance. However, applying for a loan to buy a house also requires certain conditions. So, is there an age limit for mortgages? What if the housing loan is not approved?

Is there an age limit for mortgage? According to the personal loan regulations of banks, the age limit of loans in China is 18 years old and under 65 years old. Individual banks may be different. Please consult the relevant bank staff for details. However, the personal loan application conditions of general banks need the following points:

(1)/kloc-a natural person aged over 8 and under 65, with valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

(2) The sum of the applicant's age and loan period shall not exceed 70;

(3) There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

(4) The borrower's occupational and economic income is stable and he has the ability to repay the loan principal and interest;

(5) There is a valid guarantee recognized by the handling bank;

(6) Open a personal settlement account in the handling bank, and handle settlement business such as loan issuance and repayment through the natural life family financial card;

(seven) other conditions stipulated by the handling bank;

What if the housing loan cannot be approved? If the housing loan cannot be approved in the middle of the loan, the lender may consider the following methods:

First, try another bank.

The bank loan can't be approved. Try another bank. Different banks have different quotas, and the process of review may be different. This won't work. Maybe it can be passed at another bank. In addition, ask the developer for help. After all, if the final payment is not paid, the developer is expected to be anxious.

Second, find ways to make up the loan.

Check with the bank first why the loan can't be approved. If it's my credit or running water, ask me if I can make up the running water again. Some banks may also offer to buy some wealth management products to increase their credit. It is suggested that credit can be improved through other assets or certificates of deposit, and the down payment ratio can be increased to reduce the loan amount, and then apply to the bank.

Third, find a guarantee company.

If you really want this house and you can't make up the rest of the loan, you can try to find some reliable guarantee companies. The guarantee company can help lend you the money first, but the guarantee company will incur a lot of extra expenses, including handling fees, guarantee fees, interest fees and so on. And there are certain risks.

If the above fails to solve your loan problem, whether the developer can refund the down payment in full depends on how the contract was agreed at that time. Under normal circumstances, if the loan is not approved because of your personal credit information or other problems, the developer has the right to charge you a penalty for the down payment, and then the remaining money can be returned.

Is there an age limit for mortgage? What if the housing loan cannot be approved? From the above article, we can know that there is an age limit for banks and lenders to borrow money to buy a house. In addition, since the loan may not be approved, it is suggested to make an agreement in advance when signing the contract with the developer, that is, if the bank does not approve the loan, the property buyers need not bear the responsibility.

What is the age limit for buying a house loan?

The age limit for housing loans is 18 years old, and the age of men cannot exceed 60 years old and the age of women cannot exceed 55 years old.

To apply for provident fund loans, according to the regulations, the longest term of provident fund loans 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.

People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

The People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6, 1965. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for deposits and loans of other grades and the interest rates for personal housing provident fund loans were adjusted accordingly.

The People's Bank of China has decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rate for one-year deposits of financial institutions was lowered by 0.25 percentage points, and the benchmark interest rate for one-year loans was lowered by 0.25 percentage points; The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.

From the same date: (1) Adjust the upper limit of the floating range of deposit interest rate of financial institutions to 1. 1 multiple of the benchmark interest rate; (2) Adjust the lower limit of the floating range of the loan interest rate of financial institutions to 0.8 times of the benchmark interest rate.

The People's Bank of China has decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from July 6, 20 12. The benchmark interest rate for one-year deposits of financial institutions was lowered by 0.25 percentage point, the benchmark interest rate for one-year loans was lowered by 0.3 1 percentage point, and the benchmark interest rates for deposits and loans of other grades and the deposit and loan interest rates for individual housing provident funds were adjusted accordingly.

First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.