House mortgage loans can be loaned for up to two years

House mortgage loans can be loaned for up to two years and should be determined based on many factors. Generally, new house mortgage loans can be loaned for up to 30 years. If If it is a second-hand house mortgage, it cannot exceed 20 years. But the main need lies in the policies and regulations of banks across the country, because different banks, and even the same bank, have different maturity regulations. For example, some areas have reduced the maximum loan period for purchasing a second home to 25 years.

In addition, the maximum loan period is different for properties with different characteristics. The maximum loan period for ordinary housing is 30 years; for commercial houses and commercial-residential apartments, the maximum loan period is 10 years. The age of the borrower will also affect the loan term. Some banks stipulate that the borrower's age + loan term cannot exceed the retirement age of the person and his spouse or must be less than 70 years. The actual situation also depends on the bank's current policy. What are the requirements for house mortgage loans?

The personal house mortgage loan is an RMB loan guaranteed loan issued by the Industrial and Commercial Bureau Bank to the borrower for personal compliance and legal purposes with the borrower using the property in his or her own name as collateral. Your home mortgage loan can be used for various transaction purposes such as buying a house, buying a car, studying abroad, medical treatment, etc. It can also be used for business or other legal purposes to meet your various loan needs. Application standards

1. General partners with full capacity for civil conduct, aged between 18 (inclusive) and 65 (not); foreigners and those who live in Hong Kong, Macao and Taiwan are borrowers, It is necessary to have settled in the People's Republic of China for one year and have a fixed residence and occupation. If the loan is used to purchase a house, it must also meet the relevant policies for people buying houses outside my country;

2. Have legal and valid qualifications ID card, proof of residence (or proof of reasonable employment) and certificate of singleness (or statement of being single);

3. Have a good personal credit record and willingness to repay;

4 . Have a stable source of income and the ability to repay loan interest in full and on time;

5. Have a clear main purpose of the loan; the main purpose of the loan complies with my country's laws, regulations and relevant regulations, and the service commitment loan will not be Inject any form into the financial market, futures trading market and be used for total equity investment, construction project development and design, not for borrowing money to obtain illegal gains, and other projects that are expressly prohibited from operation by Chinese laws and regulations;

6. Be able to provide a reasonable, legal, reasonable and reliable real estate mortgage recognized by the bank;

7. Establish a personal settlement account with ICBC;

8. Other conditions stipulated by the bank.