Buying a house loan at the age of 50 can be mortgaged to the bank 15 years at the longest. Among them, the sum of the applicant's age and the loan period does not exceed 70; The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest; Having a valid guarantee recognized by the handling bank; There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements.

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house developed and built by a real estate developer or other qualified developers and sold to an individual).