First, the loan term.

1, the longest term of individual housing loan is 30 years, and you can choose 20, 15, 10, 5 years, etc.

2. The longest term of personal commercial housing loan is 10 year;

3. Men under 60 years old and women under 55 years old.

Second, the basic provisions of housing loans

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

3. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (built or overhauled).

4. Loan term: up to 30 years.

5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

6. Repayment method: entrusted deduction and counter repayment.

7. Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.

Three, apply for a loan should be submitted to the information:

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6. Other documents and materials specified by the lending bank.

I would like to ask what is the loan amount for single house purchase?

The quota standard for a single house purchase loan is as follows:

1, the amount of a single housing loan is generally determined by the number of personal loans, personal credit status and economic conditions. Generally, the loan amount of the first suite can reach about 70% of the house price, and the second suite can reach about 40% of the house price.

2. With provident fund loans, the area of the first suite is less than 90_, and the general down payment ratio shall not be less than 20% of the house price and 80% of the highest loanable house price. Over 90_, the down payment ratio is not less than 30% of the house price and 70% of the highest loanable house price. Single people buy two suites through provident fund loans, and the maximum loanable house price is generally 70%.