The longest validity period of general mortgage line is 10 year (inclusive); The longest validity period of the credit line is 2 years (including 2 years).

2. What is the longest period for personal consumption loans?

Personal consumption loans refer to RMB loans issued by banks to individual customers with designated consumption purposes, which are mainly used for personal housing, automobiles, general student loans and other consumer personal loans. Personal comprehensive consumption loans refer to RMB-guaranteed loans issued by banks to borrowers who do not have specific consumption purposes.

length of maturity

Personal consumption loans The loan term of personal comprehensive consumption loans is generally 65,438+0 ~ 5 years, with a maximum of 5 years (ICBC can use such loans for medical treatment and study abroad, with a maximum of 8 years); At the same time, it is necessary to provide property mortgage, pledge or third-party guarantee recognized by the loan bank (some banks only accept mortgage or pledge) as loan guarantee conditions; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and there is generally no interest rate concession.

3. What does the validity period of consumer loans mean?

The validity period of consumer loans is 12 months, and the loan term of consumer loans is 1 ~ 10 years. Therefore, the longest term of consumer loans should not exceed 10 years. At the same time, the minimum loan amount for consumer loans is 50,000 yuan per order.

Original and photocopy of the borrower's valid identity certificate; Proof of local permanent residence or valid residence; Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.