1. There is a minimum age limit and a maximum age limit for handling loans in banks. Generally speaking, women cannot be over 60 years old, and the combined age of the lender and the loan period cannot be over 65 years old.

2. In general, there will only be a minimum loan age limit and a maximum loan age limit, which means that women can borrow up to the maximum loan age.

3. The main lenders of mortgage application are divided into men and women, and female mortgage loans can only be loaned to 55 years old. Ordinary loans, the maximum loan age is 60 years old, and this age limit also applies to women. If you apply for a mortgage and want to apply for 20 years or more, then users must calculate the loan period and the loan period, and do not exceed the upper limit of the loan period.

Term and fixed number of years of commercial loans

Generally speaking, the longest loan period of individual housing loans of commercial banks is 30 years. If the borrower purchases a house, the loan term shall not exceed 30 years at the longest; If the borrower purchases a commercial house and a "commercial-residential dual-use house", the longest loan period shall not exceed 10 year; The term of each loan shall be determined by the commercial bank through consultation with the borrower according to the borrower's age, working years and repayment ability. However, the borrower's age plus the loan period shall not exceed 70 years at the longest.

The specific loan period should be calculated according to the individual's age (male: no more than 65 years old, female: no more than 60 years old. And the longest loan period of each bank is different. The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years.

The longest loan period of housing provident fund shall not exceed 30 years, and the borrower's age shall not exceed the national statutory retirement age, that is, men shall not exceed 60 years of age and women shall not exceed 55 years of age. If both the loan applicant and the spouse meet the conditions for applying for housing provident fund loans, the loan term can be calculated according to the party with longer remaining working years.

Maximum loan term of commercial loans

The term of mortgage in commercial loans is the longest, and the longest loan can be up to 30 years. From the age of application, women need to apply for a 30-year mortgage before the age of 25, and men need to apply for a mortgage before the age of 30. In addition, applying for a 30-year mortgage can greatly alleviate the monthly pressure of the lender.

Generally speaking, the benchmark interest rate of commercial loans rises. If you buy a house, the interest rate of provident fund loans is lower than that of commercial loans. As long as conditions permit, try to apply for provident fund loans.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

Submit a loan application: When you have signed a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.

Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months.

In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.

Investigation accepted by the bank: the bank will review the application materials of the loan applicant after receiving them. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month.

During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.

Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower, etc. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.

Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures.

When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.

Bank loan: After all the loan procedures are completed, the bank will transfer the loan funds to the account of the real estate developer, and the loan relationship will be established, and the lender will repay the loan according to the regulations.

What is the age limit for commercial loans?

Legal analysis: the age of mortgage loan must be at least 18 years old and not more than 60 years old. Some banks will stipulate that they should not exceed 65 years old, and the sum of the mortgage period and age of mortgage loans should not exceed the maximum age limit. When the bank evaluates the repayment period of the mortgage for the borrower, it is based on his age. Under the premise of meeting the loan conditions, the younger the age, the longer the loan term, and vice versa. Under normal circumstances, "the lender's loan period is no more than 65 years old" is the criterion for judging the loan period that banks can handle. The borrower must be at least 18 years old and have full capacity for civil conduct. The upper limit of the loan age is 60 for men and 55 for women. And the repayment period of the loan cannot exceed the above age limit, that is, the age of the current loan period cannot exceed 60 years for men and 55 years for women. There is an age limit for personal loans. According to the personal loan regulations of banks, the age limit of loans in China is 18 years old and under 65 years old. Individual banks may be different. Please consult the relevant bank staff for details. There is an age limit because usually 18 years old and under 65 years old will have the financial resources to pay off debts.

Legal basis: Article 674 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall pay interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

How many years is the longest commercial loan?

What is the longest term of commercial housing loan?

First, it is divided into short-term loans, medium-term loans and long-term loans according to the term.

Short-term loans refer to loans with a loan term of 1 year (inclusive).

Medium-term loans refer to loans with a loan term of more than 1 year and less than 5 years (inclusive).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).

Two, according to the loan method is divided into credit loans, secured loans (secured loans, mortgage loans), bill discount three.

(1) Credit loans refer to loans granted with the borrower's credit standing as the guarantee.

(2) Secured loans refer to secured loans, mortgage loans and loans issued according to the Guarantee Law of People's Republic of China (PRC).

1. Guaranteed loan refers to the loan provided by the borrower as the guarantor recognized by the company. The guarantor promises to assume general guarantee liability or joint liability according to the loan contract when the borrower fails to repay the principal and interest of the loan by the guarantee method stipulated in the Guarantee Law.

2. Mortgage loan refers to the loan granted with the approval of the company with the property of the borrower or a third party as collateral and in accordance with the mortgage method stipulated in the Guarantee Law.

3. It refers to the loan issued by the company with the movable property or rights of the borrower or a third party as the pledge according to the pledge method stipulated in the Guarantee Law.

(3) Bill discount refers to the loan issued by the company through the purchase of the bank acceptance bill that has not expired by the borrower.

Loan term: the loan term of a finance company is generally not more than 5 years; The longest discount period is no more than 6 months, and the discount period is from the discount date to the maturity date of the bill.

How many years can commercial loans last?

If you apply for a loan through our bank, it depends on the purpose of the customer's loan. Take the consumer loan in Shenzhen as an example: under normal circumstances, customers need to take the property with complete documents as collateral when the loan has been settled, and apply for loans for personal or family legitimate consumption purposes such as car purchase, decoration, education, large-scale shopping and tourism. The amount of personal consumption loan/single loan under the credit line shall not exceed the transaction price indicated in the provided use information, and shall not exceed RMB 2 million (inclusive). (2) For the purpose of buying a car, the term shall not exceed 5 years (inclusive). (3) For educational purposes, the term shall not exceed 8 years (including 8 years). (4) For other legitimate consumption, the term shall not exceed 3 years (inclusive).

At that time, please refer to the audit results of the loan handling bank. If you have any other questions, please log in to "Online Customer Service" (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

How many years can a mortgage last?

According to the age of the lender, men are up to 65 years old and women are up to 60 years old. Many public banks will be strict, with men at the age of 60 and women at the age of 55, so if you want to borrow for a long time, choose private banks. For example, if someone buys a house at the age of 40, the commercial loan can be 65-40=25 years, depending on the age of the lender, the male is 65 years old and the female is 60 years old.

How many years can commercial loans last?

30 years at most.

What is the longest term of a commercial loan?

The specific repayment period should be calculated according to the individual age (male: no more than 65 years old, female: no more than 60 years old. For example, if a man is 54 years old now, his longest loan period can only be 1 1 year. 65-54= 1 1。 Others are discussed in turn. ), and the longest loan period of each bank is different. The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years.

What is the longest loan period of commercial housing/housing mortgage?

1. Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. Original purchase agreement;

3.65438+ original and 0 copies of the advance payment receipt for 30% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number 1 copy.

Two. Mortgage loan conditions:

1. Aged between 18-65 years old, with full capacity for civil conduct;

2. Pay the down payment;

3. Have a stable legal income and the ability to repay interest;

4. The borrower agrees to use the purchased house and its rights and interests as collateral;

5. The purchased second-hand houses have clear property rights and meet the requirements of Beijing for entering the real estate market;

6. The purchased house is not within the scope of the announcement;

7. Other conditions required by the lending bank.

Third, the process of mortgage loan:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

How much can I borrow from a commercial loan? How many years can I keep it?

1. The average borrower's term of commercial loans is between 20 and 60 years. Some lending institutions can also lend before 65, depending on the amount and purpose of your loan.

2. The amount of commercial loans.

It mainly depends on the purpose of the borrower's commercial loan, whether it is a housing commercial loan or something else. If it is a commercial housing loan, the maximum loan period is 30 years, and the loan amount is determined by the value of the house.

How many years can I buy a house and apply for a commercial loan/mortgage?

Generally, the first-hand building provident fund loan is up to 30 years, and the second-hand building is up to 20 years.

How many years can a bank buy a house with a commercial loan at most?

Generally, the longest term of a house purchase loan is 30 years, and the fixed number of years plus the loan term shall not exceed 70 years. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but not all borrowers are over 70 years old with loan years. Unless otherwise stipulated by the local regulatory authorities, the relevant regulations of the local regulatory authorities shall prevail.

If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

If you want to know the benchmark interest rate information, please open the following website (cmbchina/...cdrate) to find out.

How much and how long can a mortgage loan be borrowed?

The minimum down payment is 30% for the first set, 70% for the second set and 60% for the second set.

The longest loan period is 30 years, but it is related to the age of the house and the age of the borrower.

How many years can a 50-year-old woman borrow a mortgage? Here's the rule!

There will be restrictions on the age of users when applying for loans, and so will mortgages. Someone asked, how many years can a 50-year-old woman borrow a mortgage? Then let's briefly talk about this problem for everyone, hoping to help after reading it.

How many years can a 50-year-old woman borrow a mortgage?

The approval decision will be made according to the applicant's income, credit status, loan type and bank policy. For example, to apply for a mortgage, users are required to be between 18-65 years old, but there will be some differences in implementation.

Take Chengdu as an example. Men need to apply for loans at the age of 65, and women need to apply at the age of 60. If a 50-year-old woman applies, she can still get a loan at most 10 years. In some places, it is determined according to the age of the applicant and the operating loan period of not more than 70 years. In this case, a 50-year-old woman can borrow it for 20 years.

If you apply for provident fund loans, take Changsha as an example, the loan period can be calculated to 5 years after retirement age. In other words, female loans can reach 60 years old and male loans can reach 65 years old, so the loan term is still 10 years. If she is a senior technical female worker or a female cadre at or above the division level, the loan can be extended to 65 years old, and the loan period is 15 years.

The above is the answer about "how many years can a 50-year-old woman borrow a mortgage?" Generally speaking, the evaluation is basically made during the period of 10-20 years according to the identity characteristics, personal credit status and loan application type of the applicant. If the expected approval period is not reached, the repayment pressure can be shared by increasing the down payment and adding * * * borrowers.