Under normal circumstances, a 60-year-old man can also buy a house with a normal loan. However, when taking a loan to buy a house, there are still many things that need to be paid attention to. First, the bank will assess the borrower's repayment ability. Only when you have a certain repayment ability can the bank successfully approve the loan. So, can I get a loan to buy a house at the age of 60?

Under normal circumstances, a 60-year-old man can also buy a house with a normal loan. However, when taking a loan to buy a house, there are still many things that need to be paid attention to. First, the bank will assess the borrower's repayment ability. Only when you have a certain repayment ability can the bank successfully approve the loan. So, can I get a loan to buy a house at the age of 60? What should you pay attention to when buying a house with a loan?

Can a 60-year-old get a loan to buy a house?

1. Aged between 18 years old (inclusive) and 65 years old (inclusive), with legal and valid identity certificate, residence certificate, income certificate, A natural person with no bad credit record and full capacity for civil conduct;

2. The sum of the applicant’s age and loan period does not exceed 70;

3. There is a housing purchase contract or agreement, And the borrower pays a down payment that meets the requirements;

4. The borrower’s career and economic income are stable, and he has the ability to repay the principal and interest of the loan;

5. The borrower has a loan approved by the bank Effective guarantee;

6. Open a personal settlement account at the handling bank, and handle settlement services such as loan disbursement and repayment through the Natural Life Family Financial Management Card;

7. The handling bank Other conditions specified.

What should you pay attention to when buying a house with a loan?

1. Do not use provident funds before applying for a loan. If the borrower withdraws the provident fund balance before the loan is used to pay for the house, the provident fund balance on your provident fund account will be zero, and your provident fund loan limit will also be zero, which means that you will not be able to apply for a provident fund loan. .

2. Do not make early repayments within the first year of borrowing. According to the relevant provisions of provident fund loans, partial early repayment should be made after one year of loan repayment, and the amount you repay should exceed 6 months' repayment amount.

3. If you have difficulty repaying your loan, don’t forget to find a bank near you. When your repayment ability decreases during the loan period and you have difficulty repaying the loan, don't hold on to yourself. ICBC customers can apply to ICBC to extend the loan period. If the bank's investigation proves the application and the loan principal and interest are not in arrears, ICBC will accept your application to extend the loan period.

4. Don’t forget to notify your obligation when renting a house after taking a loan. When you rent out a mortgaged home during the loan period, you must notify the lessee in writing of the fact that it is mortgaged.

5. Don’t forget to cancel the mortgage after the loan is paid off. After you have paid off all the loan principal and interest, you can go to the real estate transaction center in the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other proof of rights to the mortgaged property.

6. Don’t lose the loan contract and IOU. When applying for a home mortgage loan, the loan contract and IOU signed between the bank and you are important legal documents. Since the loan term can be up to 30 years, as a borrower, you should keep your contract and IOU properly.

The above is an introduction to related issues about whether a 60-year-old can get a loan to buy a house and what should be paid attention to when buying a house with a loan. Normally, a 60-year-old can also get a loan to buy a house, but the amount of the loan to buy a house is It will be relatively small, and the monthly loan repayment pressure will be relatively high. When buying a house with a loan, home buyers should still act within their capabilities and be cautious.