Hello, at present, second-hand housing loans in Beijing are divided into commercial loans and provident fund loans. The loan life is as follows:

Requirements for commercial loan life:

It is related to the age of the house: generally, the age of the house is within 3 years; Calculation of the longest loan period: loan period+housing age < 5 (there are differences among banks)

Borrower's age is related: generally, it can reach 65 years old, and calculation of the longest loan period: loan period+borrower's age <; 65 years of age

no more than 3 years (the longest loan period for commercial houses is 1 years)

The above three points shall be met at the same time, whichever is shorter.

Requirements for the loan period of provident fund:

Calculated according to the age of the borrower: the longest loan period: municipal provident fund loan: 7- the age of both husband and wife; State-managed provident fund loan: 69- the age of the older couple

Calculated by the age of the house: the longest loan time: brick-concrete (mixed): 47- the age of the house; Steel-concrete: 57- house age

Maximum loan period is 3 years

After the above three aspects are calculated, the lowest one is the final loan period.

The above are for reference only. Please consult the organizer and bank staff for details.