1. Will some banks in Nanning extend the repayment age for personal loans to 80 years old?

Online news a few days ago: Some banks in Nanning have extended the repayment age for personal loans to 80 years old. As soon as this news came out, the market was in an uproar. For the sake of the market, even banks began to make bigger moves.

Don’t get it wrong! Subsequently, the bank clarified: The so-called extension to 80 years old does not mean that you can still borrow money at the age of 80, but the age of the borrower plus the loan term is relaxed to no more than 80 years, but the requirement that the borrower’s age does not exceed 70 years old has not changed. . The bank will review the borrower's income and make sure the loan flow meets the loan requirements before approval.

In fact, many banks have relaxed the age of the borrower plus the loan term;

Generally, the age of the borrower plus the loan term cannot exceed 65 years, but many cities can It was relaxed to 70 or 75 years. Now Nanning has only extended it by 5 more years on this basis.

The purpose of this new regulation is actually to increase the scale of housing loans. This move can increase the loan length for some home buyers, thereby increasing the loan amount and reducing monthly payment pressure.

As a result, many middle-aged people can obtain a 30-year loan period if they apply for the regulations, thereby further supporting the home purchase needs of middle-aged people and having a positive effect on releasing the demand for rigid and improved home purchases. . Whether it will be effective or not remains to be continuously verified by the market cycle.

Special note: Extending the mortgage loan age to 80 years old also has certain risks, because generally after the age of 70, there is basically no ability to work. Ordinary people can basically only rely on their children or social security to provide for themselves. The elderly have relatively limited ability to pay. If the property is not good, it may be unable to fulfill its repayment obligations, and the house may also depreciate in value due to the age of the building, or even become insolvent, forming a non-performing asset for the bank.

From a family perspective: By the age of 70, most elderly people have no jobs and no earning capacity. Even if they have some savings, they are pensions prepared for themselves. The purpose is not to cause a burden to their children and pay back their income. It can provide a guarantee for oneself in old age, and for the small number of elderly people with income, most of their income comes from pensions. Elderly people with large pensions can also show that their jobs when they were young were very good. In fact, such elderly people also There is no shortage of houses to live in. There are even wealthy elderly people who have purchased multiple properties when they were young. There is basically no need to buy a house in old age.

Therefore, I am not very optimistic about whether this policy can provide certain support for the transaction volume of the property market. If it is relaxed and relaxed from the perspective of young people, it will still have an impact on the sales volume of the property market. , after all, young people have jobs and can support a certain mortgage loan. It just depends on whether they choose to be stressed. For most old people, even if they have thousands of reasons, they may not be able to afford buying a house.

In short, this policy of liberalizing the mortgage repayment age to 80, 90 or even 100 years old will not be of great help to the recovery of the property market. It is difficult to identify elderly people with demand and potential for home purchase. The elderly are not the mainstream consumer group in the property market, and they will be so now and in the future.

Young people have the strongest and most intuitive demand for buying houses, and they will be the mainstream consumer group in the future property market.

Many of the young people who are buying houses today are old people who have saved their hard-earned money all their lives to buy the first home for their family or buy a wedding house for their children. After three years of epidemic, after the downward trend, it is also There are many elderly people who continue to help their children and pay monthly mortgage payments. The overall pressure on families to buy their first home has increased, and many elderly people do not have sufficient funds to purchase excess property.

When it comes to buying a house, market control policies are frequently issued, and the house purchase policy is favorable. For groups who are in urgent need, they must do what they can economically, and suitable houses are the best. For urgent needs, there is no doubt that the best time to buy in 2023 is now.

2. Nanning personal loan

My Baidu username (mobile phone number)??

The process only takes about half an hour;

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Hello, Marital status)

2: If you own a property and apply for a loan, the auxiliary financial loan amount will be higher. The credit score depends on more than 40 personal indicators that are determined together (including: age. I work there, and the loan will be issued immediately after approval!

The comprehensive interest is monthly! Nanning Yidai is the largest microfinance company in Nanning: loan! Please find a regular company. What is the interest rate of Nanning Yidai?

The loan amount is mainly determined by two aspects, social security and property owner. The higher your credit score, the higher the interest rate of the loan you apply for. The lower the .1, the faster the disbursement. Specifically, it depends on your personal credit score. How long does it take to process, and how long does it take for small and medium-sized enterprises to apply for mortgage-free and unsecured credit loans, especially for office workers, private owners, and residential residents in Nanning City: I Have a Baidu username (Nanning phone number)

2. Prepare information

3. Apply at the designated business outlet (sign a loan contract)

4.

Warm reminder: Monthly income is 5-10 times, and the financial situation is the lowest.

2. Can I help you if necessary? p>1. Make an appointment by phone, academic qualifications, credit record!

What is the telephone loan consultation number? What is the loan limit of Nanning Yidai?

4. >

1. Personal income, 1-3 days for approval, income: 1-2: Manager Lu

1: My Baidu username (Nanning phone number)

The credit specialist does not charge any fees before disbursing the money

3. Nanning personal loans

Financing companies rarely do it. The procedures for banks are very troublesome and require an individual business license, tax For guarantors in registered enterprises and institutions, the interest of 10,000 yuan is within one month.

4. Nanning Entrepreneurship Loan Policy 2021?

Nanning Entrepreneurship Loan 2021. The policy this year is that anyone who meets the following conditions: 1. Obtain a business license, 2. Apply for an employment and entrepreneurship certificate, and the applicant does not have a commercial loan in his name can apply