According to different ages, commercial loans are shorter for the elderly.

Second, what is the difference between mortgage loan 10 and 20 years? Do you have anything better?

First, the same. Below: Take 6,543,800 yuan as an example, and the total interest is 654.38+ 0. Below, take 654.38+ten thousand yuan as an example, 20

3. How many years can a mortgage loan last?

Thirty years. 1, commercial housing: using commercial housing as collateral for housing mortgage loan is not only unwilling by most banks, but also has a short loan period. The specific requirement is that the credit service life of commercial housing is ≤30 years. If your house has been used for 10 years, theoretically it can be loaned for up to 20 years. However, due to the fact that the actual housing mortgage loan for commercial housing can be loaned for up to 5 years, this kind of mortgage loan is available. 2. Residence: For mortgage loans with ordinary commercial houses as collateral, the loan term needs to meet two standards, whichever is shorter. One is that the borrower's age is ≤60 years old, that is to say, if you are 20 years old now, you can theoretically borrow for up to 40 years, but because the mortgage loan can be borrowed for up to 30 years, you can borrow for up to 30 years according to this standard, and the other is that the credit period of the house is ≤40 years. 3. Self-built houses and bungalows: generally speaking, mortgage loans cannot be handled in regular banks, but if the house value is really large and there is a property right certificate, mortgage loans can be handled in loan financial institutions or individuals. The loan term is generally agreed with the lending institution, and the term is generally short, which is 65,438+0-3 years. What is the property right certificate 1 mortgage loan process? The borrower shall prepare relevant materials: ID card, household registration book, marriage certificate, real estate license and house purchase contract shall be prepared before the loan. 2. The bank runs the road: According to the value of the house, the bank's mortgage amount is different. In addition to the mortgage of the real estate license, the borrower also needs to have good credit and economic strength, so the borrower is required to provide the bank statement of his personal account for nearly half a year. 3. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. The expected annualized interest rate of the loan will rise by a certain percentage according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 30 years, and the repayment methods generally include equal principal and interest, equal capital and so on. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation. 4. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers. 5. After the bank has passed the examination of the borrower's mortgage and agreed to issue the loan, the borrower needs to go to the local delivery room management department at or above the county level and go through the mortgage registration formalities with the bank clerk. 6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. But because it is a housing loan, generally speaking, the bank loan will directly hit the account of the real estate developer and will not be paid directly to the borrower.

4. Which bank can borrow 65438+100000, which can be repaid in 20 years?

Hello, the loan is the result of comprehensive calculation based on the loan amount, execution interest rate, loan term, repayment method and other factors. It is impossible to calculate the actual monthly payment only by the loan amount. To calculate the monthly information for reference, please open the following link:/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).