I want to apply for a loan of 570,000 yuan from China Construction Bank. Because my salary is not enough, I want to use my father as a co-payer. Can I borrow it for 30 years?
At present, banks usually lend for up to 20 years, but they won't let you borrow for 30 years. If you want your father to be a co-payer, you should check your father's rounds and credit records. If your father already has a house or mortgage in his name, it will be calculated according to the second suite. The down payment must exceed 60%, and the interest rate will rise by 65,438+00%.