1, up to 30 years. But banks generally don't do it for that long, and they have to consider the age of the house to decide whether to lend and how long to lend. It will be difficult to do the property for more than ten years, and the loan company can do it for about fifteen years. The older the property, the shorter the loan time will be. The loan interest rate is calculated by time. The benchmark interest rate is 5.3 1% for one year, 5.4% for three years, 5.76% for five years and 5.94% for six to thirty years. After the loan expires, it is theoretically possible to use the real estate to borrow again, but considering the age of the house after repayment, it may not be possible to handle it. Mortgage is usually ten, fifteen, twenty years, twenty-five years at most, and thirty years is rare. The mortgage amount is generally about 60% for residential buildings, but not the highest 70%, and about 50% for public buildings. The mortgage time of public housing is relatively short, usually three years, and the interest rate will rise, depending on the situation, 65,438+00% or 30%. If there is no personal property mortgage, you can find a trusted relative to mortgage their property. The mortgage rate of third-party mortgage will be lower than that of personal property, which requires the personal signature of the mortgagor and the borrower. The mortgagor and the borrower are not over 60 years old. Of course, after 50, it is generally not a particularly good loan, and income and credit are also considered by banks.

2. Personal business loans are not easy to borrow and there are many things. Now banks are more cautious in lending, and the relationship between financial crisis and policy often changes. I am not particularly clear about the content of commercial loans. You should at least have a business goal plan or something, and the time will not exceed three to five years. Other things are not clear, you can only provide an ordinary personal loan as a reference. Personal loans generally require collateral. You can mortgage your own property or other items, preferably real estate. If the loan amount is high, it may stop the car, which is not appropriate. See Article 1 for real estate mortgage. Personal unsecured loans are very difficult. Many banks do not handle personal unsecured loans. Since there is no mortgage, they must find a guarantee. Banks will also look at your income and credit status, and generally can't lend.

That's all I can do. Let's see for ourselves.

I wish the landlord a smooth start ~ ~ ~

Answer: If the landlord only borrows for five years and the property is still young, he can still apply for a loan with this house after repaying the loan.