Your monthly repayment is almost 3000 yuan, so I just want to ask if it's ok.
Adopt it
The house is 100w instead of 50w. . What if I pay it off in 30 years?
If you buy it for the first time, find an acquaintance.
I haven't bought a house yet, so I guess it will happen in the future.
Looking for acquaintances, developers will not help you?
2. Is there a 30-year age limit for mortgage?
"The mortgage has a 30-year age limit. According to the regulations, the age of the lender's current loan term shall not exceed the age limit for bank loans. The general rule of the age limit for bank loans is that the borrower must be 18 years old and have full capacity for civil conduct. The upper limit of the loan age is 60 for men and 55 for women. 1. Natural person with housing loan condition of 1 and age of 18-65. 2. More than 30% of the total amount of the purchased house is used as the down payment (the down payment ratio is implemented according to the standards of the first and second sets, and generally calculated according to the down payment ratio of 30% of the first suite). 3, have a stable job, can provide proof of income stamped by the work unit and bank running water for nearly half a year (monthly income is more than twice the monthly payment). 4. Good credit. If three consecutive overdue times accumulate six times, the bank will refuse to lend. Second, the process of buying a house loan 1, submitting loan information Generally speaking, the developer will have one or more designated cooperative loan banks, and buyers can choose one of them to apply for a house loan. Bring the required materials and give them to the bank staff. 2. Loan Qualification Examination The bank examines the loan qualification of the lender, including the authenticity, age, personal credit record and income of personal information. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications on their own. In personal credit records, banks refused to lend three to six times overdue, and individuals refused to lend in two or more banks in Hangzhou. The income needs to reach 2 1 13 times of the monthly loan application, and it is required to cover all liabilities in the individual's name, including car loans. Bank 526 1 generally requires the applicant to provide the details of the bank flow in the past six months to prove his income ability. After receiving the loan applicant's materials, the bank will review the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank). 3. After the signing of the loan contract is approved by the bank, a formal loan contract will be signed with the applicant. In the actual operation of 4 102, the borrower will sign the loan contract when submitting the materials, but the bank will seal it only after it is approved. 4. After the loan issuing bank completes the loan process, it will directly issue the loan of 1653 to the developer and require the applicant to repay the loan to the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped. According to Article 42 of People's Republic of China (PRC) Commercial Bank Law, the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.
3. What are the restrictions on the loan term and the age and building age of the lender?
In fact, these three factors all reflect the service life of your commercial loan, and the following three conditions must be met: 1. Natural person with age 18-70. The service life of the loan is ≤40 years. 3. The service life of the loan is ≤30 years, which is the lowest.