If it is a provincial provident fund, it is required that the sum of the house age and the loan period of the provident fund should not exceed 4 years, and the total loan amount should not exceed 5% of the total house price, and it must be within the loanable amount. For houses with a house age of more than 2 years, the down payment should not be less than 6%.

Relationship between loan life and housing age:

1. Banking policy

Banks have requirements for the loan life, usually not exceeding 3 years. Some banks have shortened the maximum loan life, such as Beijing, and the maximum loan life for second homes has been shortened to 25 years.

Second, the borrower's repayment ability

How many years he can borrow is also closely related to his repayment ability. When examining the borrower's income, the bank should make sure that the income is enough to repay the monthly mortgage. The relationship between the monthly mortgage payment and the income is: monthly income ≤ X5%

Third, the borrower's age

Provident fund loan:

The longest loan time: municipal: 7. State Administration: 69- The age of the older couple.

Fourth, the age of the house

is generally within 3 years; Calculation of the longest loan period: loan period+house age <; 5 (there are differences among banks). Some banks stipulate that the loan period+house age should not exceed 3 years, some stipulate that it should not exceed 4 years, and some stipulate that it should not exceed 5 years.

V. Nature of the house

Generally speaking, if you buy a commercial house or a commercial-residential dual-use house, the longest loan period is no more than 1 years; The longest loan period for private property transfer houses and auction houses is 2 years.

for new houses and second-hand houses of civil nature, the longest loan period is 3 years, but the loan period for new houses is usually longer than that for second-hand houses, mainly because the loan period for second-hand houses is limited by the age of the houses.

Extended information:

Housing provident fund loans refer to housing mortgage loans granted by local housing provident fund management centers to on-the-job employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

the housing provident fund paid by employees and the housing provident fund paid by the employees' unit for employees are personal savings specially used for housing consumption expenses, which are owned by employees. When the employee retires, the balance of principal and interest will be paid in one lump sum and returned to the employee himself. ?

for many second-hand housing buyers, although the loan period can be as long as 3 years, due to the long age of the house, the actual loan period will be discounted, which will not reach the upper limit. On the 27th, the reporter learned that individual banks in Rong have taken the lead in relaxing the age of second-hand houses, and the maximum loan period plus the age of the house can reach 6 years.

loan term plus house age

up to 6 years

For mortgage loans of first-hand houses and second-hand houses, both are subject to some common factors, such as the sum of loan term and borrower's age cannot exceed 6 or 65; The maturity date of the loan cannot exceed the maturity of the land use.

under normal circumstances, the longest mortgage loan period for first-hand houses can reach 3 years, while that for second-hand houses is relatively special. The final loan period is also subject to the sum of the loan period and the housing age. For example, some banks stipulate that the sum of the housing age and the loan period for second-hand houses cannot exceed 4 years.

In this way, the longest loan period for second-hand houses in real life is often difficult to reach 3 years. Take the loan period plus the house age of 4 years as an example. If the buyer takes a fancy to a second-hand house with a house age of 2 years, the actual loan period can only be 2 years.

nowadays, the years of mortgage plus house age have been loosened. Since the beginning of this year, the loan period of second-hand houses has been relaxed in Banyan Construction Bank. The longest acceptable house age for handling second-hand house loan business is 3 years, and the longest loan period is 3 years, that is, the longest house age plus loan period is 6 years.

the previous loan period and the age of the house are generally less than 4 years. The reporter learned that at present, there is a big difference between the loan term and the age of the second-hand house in Rongzhong Bank. The longest loan term plus the age of the house in Rongzhong Bank and Guangfa Bank is 5 years, and the sum of the two is no more than 45 years, and the other joint-stock bank is no more than 4 years.

bankers said that the age of the house is mainly calculated from the completion of the house, rather than the time when the real estate license is processed.

Baidu Encyclopedia _ Housing Provident Fund Loan

People's Daily Online _ Fuzhou Old House Loan Term is relaxed, and the maximum loan term is 6 years.