Third:
Loan conditions for retirees: 1. Age limit: it is clearly stipulated in the mortgage that women should not exceed 60 years old and men should not exceed 65 years old. 2. Term of the loan. Many banks also have a regulation on housing loans, that is, the sum of the borrower's age plus the repayment period cannot exceed 70 years. Undoubtedly, it sets a threshold for retirees to borrow money to buy a house. Suppose a male retires at the age of 60 to apply for a mortgage, and he can only apply for 10 years at most. 3. Loan procedures. Banks have clear and strict requirements on the procedures for handling housing loans, which limits the mortgage handling of retirees to some extent. If you say that you need a stable income for mortgage, you need to issue an income certificate. 4. According to the regulations of the bank, the age of the borrower is generally between 18 (inclusive) and 65 (inclusive), which means that you can't apply for a loan if you are over 65. In the bank's view, the salary of retirees can only be regarded as the basic guarantee of life, and it cannot be regarded as the embodiment of repayment ability. No matter what kind of loan you apply for, repayment ability and credit investigation are the focus of bank inspection. Therefore, it is best to make sure that your income can meet the requirements of timely repayment before lending. For example, the monthly flow of mortgage banks is generally 2 to 3 times the monthly repayment amount. However, if the retirees start their own businesses after retirement and are the business owners of the company, then the bank will dispel the concerns about repayment ability and reconsider the loan approval. 6. Usually, users prepare information in advance and then submit it to the bank for review. If the bank fails to pass the audit, the bank will ask the borrower to supplement the corresponding information; If it can pass the examination, the bank will sign a formal loan contract with the borrower. When signing a contract, it is generally necessary to agree on the repayment method, and then the borrower can repay on time.
4. Retirees can get loans. Men under 65, women under 60. The maximum loan amount can reach 654.38+10,000 yuan. The exact amount depends on the retirement salary.