On the 16th, a reporter from the Beijing Business Daily called the developer to inquire. The relevant person denied the incident and said: "There has been no relevant promotional poster."

Regarding this news To verify the authenticity, reporters from Beijing Business Daily called Minsheng Bank and Shanghai Pudong Development Bank’s Nanning branches to inquire.

A personal loan person from a branch of Shanghai Pudong Development Bank said that the information that the loan can be extended up to 100 years old is untrue. The business currently implemented by the bank is not "Jieli Loan", but "Heli Loan". The borrowers in this business The age + term can be used to loan until the age of 70, and the youngest home buyer among the same borrowers will determine the loan term.

The relevant account manager of Minsheng Bank also said that the current age + term of the bank’s borrowers is that they can lend until they are 70 years old. "It's a bit exaggerated that there is no situation where you can borrow until you are 100 years old." said the above-mentioned account manager.

A bank in Hangzhou has extended the age limit for mortgage loans to 80 years old

“It has been spreading all over the country in the past two days, and there are indeed a few more customers asking about extending the mortgage age!” A staff member of an online store in Binjiang, I Love My Home, told reporters that two city commercial banks in Hangzhou have extended the loan age to 75 years old, and the new policy will be implemented after the year.

“Actually, the conditions are a bit strict, and the most important thing is to see the home buyer’s repayment ability.” The staff member revealed that in the second half of last year, he made a mortgage loan for a 55-year-old home buyer. The loan age was 75. The home buyer had a strong repayment ability and his children had stable jobs, so the loan was granted. "

A staff member of Lianjia Real Estate also revealed that there are indeed some additional conditions for extending the mortgage age, such as the buyer's credit check and verification of whether the income flow meets the loan requirements.

The reporter just received news from a real estate agency that CITIC Bank has also begun to adjust the total age and term of personal mortgage loans to 80 years old, and will gradually launch it.

At the same time, more banks are preparing to follow suit. Currently, we are waiting to see the policies of our peers, or waiting for notification from the head office.

“The age limit of 70 has not been adjusted yet, but it should be soon. The branch is waiting for news from the head office. After all, peers have adjusted it. After that, we will basically follow the market. "A person from the personal loan department of a state-owned bank said.

According to the reporter's understanding, generally speaking, banks will impose age restrictions on home buyers to achieve the goal of controlling loan risks. Specific age restrictions Each bank sets its own rules. At present, most banks have a limit of "age + loan period" of 65 to 70 years old.