According to Jinan's housing purchase policy, if you buy a house in Jinan, the household registration in this city is limited to two suites, and the household registration in other cities is limited to one suite. Foreign household registration purchase needs to meet one of the following conditions:
1, providing personal income tax paid in Jinan for more than 24 consecutive months in urban areas;
2 provide proof of paying social insurance in Jinan for more than 24 consecutive months in the urban area;
3. Full-time graduates with bachelor degree or above who have worked in Jinan and paid social security for more than half a year;
4, the introduction of high-level talents at home and abroad, with the certificate issued by the office of the leading group for talent work, enjoy the same purchase policy for local permanent residents.
Restricted purchase areas in Jinan: Lixia District, Licheng District, Shizhong District, tianqiao district, Huaiyin District, High-tech Zone, Zhangqiu District and Changqing District are restricted purchase areas.
Jinan is not limited to purchase areas: Shanghe County, Jiyang County, Pingyin County, Laiwu District and Gangcheng District. Jinan housing loan policy
1, down payment ratio:
(1) Household registration in this city: the minimum down payment for the first suite is 30%; There is a set of housing or housing loan records, and the application for housing loan is regarded as the second set of housing loan, and the down payment ratio is 60%.
(2) Household registration in other cities: 60% down payment for buyers who have not reached full-time undergraduate education; Full-time buyers with bachelor degree or above who have paid social security for more than half a year can enjoy the same purchase policy for local permanent residents, that is, the down payment is 30%.
2. Term of the loan:
(1) Household registration in this city: the longest loan period for the first suite is 30 years; The longest loan period for the second house is 25 years.
(2) Household registration in other cities: for buyers who have not reached full-time undergraduate education, the maximum loan period is 25 years; Full-time buyers with bachelor degree or above have paid social security for more than half a year, and the longest loan period is 30 years.
3. Loan interest rate:
In terms of loans, 20 19 has started the mortgage reform. From March 1 2020, for the mortgage signed before 2020, the bank will change the interest rate pricing method agreed in the original contract to LPR as the pricing benchmark and add points (the points can be negative). At that time, the bank will call you and ask you to make a choice. You can only choose one, and you can't change it if you miss it.
How to calculate the loan period of provident fund?
1. Generally speaking, the shortest loan term is 1 year and the longest loan term is 25 years. For individuals, it is necessary to combine the borrower's age and the remaining years of collateral.
2. The loan term calculated by age is: 70 years old-the age of the applicant or the age of the middle-aged and elderly people of both husband and wife of the applicant.
3. The loan term determined according to the remaining years of the collateral is: the service life of the building (50 years for brick and concrete, 60 years for reinforced concrete) -3 years for the building. The shorter of these two years is determined as the longest loan term.
4. If the applicant applies for the housing accumulation fund of commercial banks and individual housing portfolio loans, the maximum age of the applicant is 70 years old, which is reduced to 65 years old. The specific loan period is calculated according to the above formula.
Provident fund loans refer to individual housing provident fund loans. It is a housing mortgage loan issued by the local housing provident fund management center to the depositors who purchase, build and use the housing provident fund. Housing provident fund paid by employees who apply for provident fund loans is used for renovation and overhaul of housing and for retired employees who pay housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for more than a certain period (the period varies from city to city, for example, Changsha exceeds 12 months) can apply for provident fund loans to rebuild and decorate their own houses when they do not have enough funds to buy or build houses.
Loan conditions: employees of this unit have signed labor contracts for more than 3 years (or signed labor contracts for 3 consecutive years 1 year); Housing provident fund is normally paid for more than a certain period of time in a row; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
What is the term and limit of provident fund loans?
1. For provident fund loans, the applicant must continuously deposit in the provident fund for 12 months. When applying for provident fund loans, the deposit status of provident fund is normal (loans overdue for more than 1 month will not be accepted). The maximum loan amount of commercial housing does not exceed 70% of the total housing price, and the maximum loan amount of second-hand housing does not exceed 60% of the deed tax unit price;
2. Calculation formula of personal loan limit of provident fund: (amount paid in the current month) × total number of months from current to statutory retirement age )× 2;
3. Legal retirement age: female, 55 years old; Male, 60 years old. The longest loan period is 25 years;
4. This formula is suitable for users who buy first-hand buildings to calculate directly. For second-hand housing, the appraisal price, transaction price and deed tax price of the house need to be considered, and the specific loan amount can only be recovered after being audited by the provident fund center;
At present, the maximum amount of housing provident fund varies from place to place. Need to consult the housing provident fund center where the house is purchased.
How many years can my house last in two mortgage?
25 years. The longest loan term of secondary mortgage is 25 years, and the term of secondary mortgage is determined according to the specific use of the loan. The maximum term of personal consumption loan is 5 years, and the maximum term of personal business loan is 3 years. The maturity date of the loan shall not exceed the maturity date of the first home loan. Extended information: influencing factors of housing secondary mortgage life 1. Borrower's age policy: legal retirement age or lender's age, and the loan period cannot exceed 70 years. In other words, if the borrower is older, the time limit for applying for mortgage loans will not be too long. 2. Houses with different mortgage properties have different mortgage loan terms. For example, our most common house needs to apply for a loan, and the longest term is 30 years. If the borrower mortgages a private property transfer house or an auction house to apply for a loan, the longest loan period can reach 20 years. The shortest is commercial housing and commercial-residential dual-use housing, and the longest loan period is 10 year. 3. The borrower chooses by himself. In the longest allowable loan period, the borrower can choose the loan period according to his own situation. For example, if the borrower has a good income, he can apply for a shorter loan term, so that he can pay off the loan earlier, get out of debt earlier and reduce the loan interest. If the borrower's income level is average, he can apply for a longer loan term, which can reduce the repayment pressure of each period and avoid overdue. 4. The repayment ability is strong and weak. The borrower's repayment ability will also affect the mortgage term. The monthly payment should generally not exceed twice the monthly income. Therefore, when determining the mortgage term, the bank will also consider your repayment ability, thus determining the length of the mortgage term. 5. The age of the house is also a major factor affecting the mortgage period. For example, some banks stipulate that the mortgage term cannot exceed 30 years, and some regulations cannot exceed 40 years. Therefore, the older the house, the shorter the mortgage period will generally be. If the house you buy is too old, the bank will directly refuse the loan.
How many years is the longest commercial loan?
What is the longest term of commercial housing loan?
First, it is divided into short-term loans, medium-term loans and long-term loans according to the term.
Short-term loans refer to loans with a loan term of 1 year (inclusive).
Medium-term loans refer to loans with a loan term of more than 1 year and less than 5 years (inclusive).
Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).
Two, according to the loan method is divided into credit loans, secured loans (secured loans, mortgage loans), bill discount three.
(1) Credit loans refer to loans granted with the borrower's credit standing as the guarantee.
(2) Secured loans refer to secured loans, mortgage loans and loans issued according to the Guarantee Law of People's Republic of China (PRC).
1. Guaranteed loan refers to the loan provided by the borrower as the guarantor recognized by the company. The guarantor promises to assume general guarantee liability or joint liability according to the loan contract when the borrower fails to repay the principal and interest of the loan by the guarantee method stipulated in the Guarantee Law.
2. Mortgage loan refers to the loan granted with the approval of the company with the property of the borrower or a third party as collateral and in accordance with the mortgage method stipulated in the Guarantee Law.
3. It refers to the loan issued by the company with the movable property or rights of the borrower or a third party as the pledge according to the pledge method stipulated in the Guarantee Law.
(3) Bill discount refers to the loan issued by the company through the purchase of the bank acceptance bill that has not expired by the borrower.
Loan term: the loan term of a finance company is generally not more than 5 years; The longest discount period is no more than 6 months, and the discount period is from the discount date to the maturity date of the bill.
How many years can commercial loans last?
If you apply for a loan through our bank, it depends on the purpose of the customer's loan. Take the consumer loan in Shenzhen as an example: under normal circumstances, customers need to take the property with complete documents as collateral when the loan has been settled, and apply for loans for personal or family legitimate consumption purposes such as car purchase, decoration, education, large-scale shopping and tourism. The amount of personal consumption loan/single loan under the credit line shall not exceed the transaction price indicated in the provided use information, and shall not exceed RMB 2 million (inclusive). (2) For the purpose of buying a car, the term shall not exceed 5 years (inclusive). (3) For educational purposes, the term shall not exceed 8 years (including 8 years). (4) For other legitimate consumption, the term shall not exceed 3 years (inclusive).
At that time, please refer to the audit results of the loan handling bank. If you have any other questions, please log in to "Online Customer Service" (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!
How many years can a mortgage last?
According to the age of the lender, men are up to 65 years old and women are up to 60 years old. Many public banks will be strict, with men at the age of 60 and women at the age of 55, so if you want to borrow for a long time, choose private banks. For example, if someone buys a house at the age of 40, the commercial loan can be 65-40=25 years, depending on the age of the lender, the male is 65 years old and the female is 60 years old.
How many years can commercial loans last?
30 years at most.
What is the longest term of a commercial loan?
The specific repayment period should be calculated according to the individual age (male: no more than 65 years old, female: no more than 60 years old. For example, if a man is 54 years old now, his longest loan period can only be 1 1 year. 65-54= 1 1。 Others are discussed in turn. ), and the longest loan period of each bank is different. The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years.
What is the longest loan period of commercial housing/housing mortgage?
1. Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);
2. Original purchase agreement;
3.65438+ original and 0 copies of the advance payment receipt for 30% or more of the house price;
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;
5. The developer's collection account number 1 copy.
Two. Mortgage loan conditions:
1. Aged between 18-65 years old, with full capacity for civil conduct;
2. Pay the down payment;
3. Have a stable legal income and the ability to repay interest;
4. The borrower agrees to use the purchased house and its rights and interests as collateral;
5. The purchased second-hand houses have clear property rights and meet the requirements of Beijing for entering the real estate market;
6. The purchased house is not within the scope of the announcement;
7. Other conditions required by the lending bank.
Third, the process of mortgage loan:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
How much can I borrow from a commercial loan? How many years can I keep it?
1. The average borrower's term of commercial loans is between 20 and 60 years. Some lending institutions can also lend before 65, depending on the amount and purpose of your loan.
2. The amount of commercial loans.
It mainly depends on the purpose of the borrower's commercial loan, whether it is a housing commercial loan or something else. If it is a commercial housing loan, the maximum loan period is 30 years, and the loan amount is determined by the value of the house.
How many years can I apply for a commercial loan/mortgage to buy a house?
Generally, the first-hand building provident fund loan is up to 30 years, and the second-hand building is up to 20 years.
How many years can a bank buy a house with a commercial loan at most?
Generally, the longest term of a house purchase loan is 30 years, and the fixed number of years plus the loan term shall not exceed 70 years. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but not all borrowers are over 70 years old with loan years. Unless otherwise stipulated by the local regulatory authorities, the relevant regulations of the local regulatory authorities shall prevail.
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
If you want to know the benchmark interest rate information, please open the following website (cmbchina/...cdrate) to find out.
How much and how long can a mortgage loan be borrowed?
The minimum down payment is 30% for the first set, 70% for the second set and 60% for the second set.
The longest loan period is 30 years, but it is related to the age of the house and the age of the borrower.
The loan period of Beijing provident fund is relatively long.
Lead: We all know that we can use provident fund loans when buying a house, but the loan period is different and needs to be decided according to the actual situation of the applicant. So, how long is the loan period of Beijing Provident Fund? You can use provident fund loans to buy the first and second suites in Beijing, but the loan amount is different. Then, what is the maximum loanable amount of Beijing housing provident fund personal housing loan? Let's have a look.
The loan period of Beijing provident fund is relatively long.
The shortest term of general housing provident fund personal housing loan is 1 year, and the longest is 25 years. Specific to the individual should be combined with the age of the loan applicant and the remaining service life of the purchased house to determine:
(1) Calculate the loan period according to the age of the loan applicant, that is, 65 years old minus the applicant's age at the time of application;
(2) If you buy a second-hand house, you need to calculate the service life of the loan according to the remaining service life of the house, that is, the service life of the building (50 years for brick masonry and 60 years for steel concrete) minus the service life of the building and then minus 3 years.
The shorter of the above two years is determined as the longest loan term.
For example, the applicant applied to Beijing Housing Provident Fund Management Center for a loan to buy a second-hand house. His age is 40 and his spouse is 45. The house he bought is a brick-concrete structure and has been used for 23 years. The loan term calculated by age is 25 years, the loan term calculated by the remaining service life of the purchased house is 24 years (50-23-3=24 years), and the longest loan term of the applicant is 24 years.
What is the maximum loanable amount of Beijing housing provident fund personal housing loan?
The loan applicant can borrow up to 6,543.8+0.2 million yuan for the first house, and up to 6,543.8+0.0-0.2 million yuan for the house according to the area where the household registration is located. The policy of buying two houses stipulates that the maximum loan can be 600,000 yuan, and the specific provisions are as follows. At the same time, the maximum loan amount of the loan applicant should be calculated according to its specific situation.
1. The loan applicant's household registration is in Dongcheng or Xicheng District, and if he buys the first home outside Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan District, the maximum loan amount can be increased by 200,000 yuan.
2. The household registration of loan applicants is not enough to meet the requirements in Item 1 in this table, but they are all located in Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan District. If you buy the first home outside Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan District, the maximum loan amount can be increased by 654.38 million yuan.
Beijing Housing Provident Fund Personal Housing Loan
Beijing Housing Provident Fund Repays Overdue Loans
If the loan is not repaid on time and overdue, corresponding repayment methods shall be adopted according to the different repayment methods of the loan.
(1) The repayment method is free to repay the loan.
In loans overdue, the borrower can go through the repayment procedures of overdue loans through personal online business platform, Beijing Provident Fund APP, Beijing Tong APP and loan business counter.
1. Repay overdue loans through the platform of individual online merchants.
① Login: except the repayment date, log in to the Beijing Housing Provident Fund Network, click on the personal online business platform (Beijing Center) on the right side of the home page, read the login prompts carefully, and then click on the Beijing unified identity authentication platform to log in and enter the login page. Login mode can be "account login" or "SMS login". After selecting the login method, enter the login information according to the page prompts.
Tip: Those who are not registered in Beijing Unified Identity Authentication Platform should complete the registration before logging in.
② Overdue repayment: after logging in successfully, click My Loan-I want to repay the overdue loan, then click Repay the overdue loan, select the date to repay the overdue loan according to your own situation, calculate the amount of overdue loan to be repaid, and submit it after confirmation. The borrower shall deposit all repayment funds into the repayment account before the agreed repayment date for deduction.
2. Repay overdue loans through Beijing Provident Fund APP.
① Login: Except the repayment date, open the "Beijing Provident Fund" APP, click "My" in the lower right corner, read the login prompt carefully, and then click "Please Login". Login mode can be "password login" or "verification code login". After entering the login page of Beijing unified identity authentication platform, enter the login information according to the page prompts, and then click authorize login.
Tip: Those who are not registered in Beijing Unified Identity Authentication Platform should complete the registration before logging in.
② Repaying overdue loans: after logging in successfully, select "Service"-click the function of "Repaying overdue loans", select the date to repay overdue loans according to your own situation, calculate the amount of overdue loans to be repaid, and submit after confirmation. The borrower shall deposit all repayment funds into the repayment account for deduction before the repayment date.
Provident fund personal housing loan
3. Repay overdue loans through Beijing Tong APP.
Borrowers who have passed the real-name authentication of Jingtong APP, except the repayment date, log in to Jingtong APP, select the function of "accumulation fund"-"overdue loan repayment", select the repayment date of overdue loan according to their own situation, calculate the amount of overdue loan to be repaid, and submit it after confirmation. The borrower shall deposit all repayment funds into the repayment account for deduction before the repayment date.
4. Repay overdue loans through 12329 customer service telephone.
User query without real-name authentication
In addition to the repayment date, dial the hotline 0 10- 12329 to enter the self-service voice system:
① Enter the ID number after hearing "Please enter the ID number";
② After hearing "Please press 1" for personal loan business, press "1";
(3) After hearing "Please press 1 for telephone inquiry of the entrusted system account number" or "Please press 2 for ID number inquiry", enter the entrusted system account number or ID number according to the selection;
④ After hearing "Please enter the password", enter the password of the telephone entrustment system;
⑤ After selecting "repayment inquiry", after inquiring "repayment amount on at least the next repayment date" according to the telephone voice prompt, adjust the agreed repayment amount to this amount, and deposit all repayment funds into the repayment account for deduction before the repayment date.
Users who have been authenticated by their real names and set the transaction password of housing provident fund.
In addition to the repayment date, dial the hotline 0 10- 12329 to enter the self-service voice system:
① Enter the ID number after hearing "Enter the ID number";
② Enter the transaction password of housing provident fund after hearing "Enter password";
③ Press "1"after hearing "personal loan business";
④ After selecting "repayment inquiry", after inquiring "repayment amount on at least the next repayment date" according to the telephone voice prompt, adjust the agreed repayment amount to this amount, and deposit all repayment funds into the repayment account for deduction before the repayment date.
5. Repay overdue loans through the government service convenience self-service terminal.
In addition to the repayment date, the borrower selects the function of "house purchase"-"housing provident fund individual housing loan to repay overdue loans" on the home page of the government service convenience self-service terminal, inquires the loan information after successful identity authentication, selects the repayment date of overdue loans according to his own situation, calculates the amount of overdue loans to be repaid, and submits it after confirmation. The borrower shall deposit all repayment funds into the repayment account before the agreed repayment date for deduction.
6. Repay overdue loans through the loan business counter.
The borrower carries the original ID card and handles the overdue loan repayment in any loan handling department during office hours except the repayment date. After the borrower has gone through the confirmation procedures for overdue repayment on site, it shall deposit all repayment funds into the repayment account for deduction before the agreed repayment date.
Tip:
1. Repay overdue loans through the function of 12329 customer service telephone to adjust monthly repayment amount, and the payment can only be deducted on the next repayment date agreed in the loan contract.
2. For a loan whose loan applicant number starts with G or Z, the applicant can be one of the borrowers; For loans whose loan applicant number does not start with G or Z, the applicant is the borrower who has reserved repayment account.
How many years can I borrow at most?
Question 1: How many years can a housing loan generally be borrowed? Generally speaking, if the bank thinks that it can lend you a loan, it will subtract your actual age according to your retirement age, and the remaining figure is the number of years you can borrow, which is not more than 30 years in principle. The reduction is through balloon loans, which should increase the loan term. In general banks, men retire at the age of 60 and women retire at the age of 55. Every bank has specific regulations, which is not bad.
I hope this helps.
Question 2: How many years can a house loan last? You can do it for 30 years at most.
The conditions for mortgage loan are as follows:
1,18-a natural person aged 65;
2. Hold a valid ID card;
3. Good credit information and no bad records;
4. Have a stable job and a stable income;
5. Commercial housing sales contract or letter of intent with the purchased house;
6. Have the ability to pay the down payment of the purchased house;
7. Open a personal settlement account in a bank with effective guarantee;
8. Other conditions stipulated by the bank.
Question 3: How long the mortgage loan can last depends on the age of the lender? Men are 65 years old and women are 60 years old. Many public banks will be stricter. Men are up to 60 years old and women are up to 55 years old, so if you want long-term loans, choose private banks. For example, if someone buys a house at the age of 40, depending on the age of the lender, the longest commercial loan can last 65-40=25 years, and the longest male is 65 years old. Men are up to 60 years old and women are up to 55 years old, so if you want long-term loans, choose private banks. For example, if someone buys a house at the age of 40, the maximum commercial loan can be 65-40=25 years.
Question 4: How many years can I borrow a housing loan? At present, China Merchants Bank provides "first-hand property" and "second-hand property" housing loans. First-hand building: the longest loan/credit period does not exceed 30 years; Second-hand building: the longest loan/credit period is not more than 30 years, the building age of the shopping industry (referring to the completion year of the property) is generally not more than 20 years, and the longest mortgaged property is not more than 40 years in principle. The specific time limit you can apply for requires you to submit relevant information, which will be determined by the handling bank after comprehensive examination and approval.
Question 5: How much can a commercial loan be borrowed? How many years can I keep it? 1. The average borrower's term of commercial loans is between 20 and 60 years. Some lending institutions can also lend before 65, depending on the amount and purpose of your loan.
2. The amount of commercial loans.
It mainly depends on the purpose of the borrower's commercial loan, whether it is a housing commercial loan or something else. If it is a commercial housing loan, the maximum loan period is 30 years, and the loan amount is determined by the value of the house.
Question 6: How much and how long can a mortgage loan be borrowed? The minimum down payment is 30% for the first set, 70% for the second set and 60% for the second set.
The longest loan period is 30 years, but it is related to the age of the house and the age of the borrower.
Question 7: How many years can a second-hand house be loaned? Second-hand housing loan life: the sum of ordinary housing service life and loan life shall not exceed 30 years, and the sum of other housing service life and loan life shall not exceed 20 years (and the loan life shall not exceed 10 year); The sum of the loan term and the borrower's actual age shall not exceed 65 years old.
Second-hand housing mortgage loans have these restrictions:
Property right certificate: the commercial house that has obtained the property right certificate, or the commercial house that can immediately obtain the property right certificate and live;
Age of the house: no more than 20 years for ordinary houses and no more than 15 years for other properties;
Loan ratio: 80% for ordinary housing and 60% for other properties;
The choice of interest rate varies from person to person: people with stable income and high monthly income can consider choosing a fixed interest rate because it will not be affected by interest rate hikes in the future. However, if you are a class with stable job but low income, such as teachers, university professors, civil servants, etc. It is suggested to choose floating interest rates, because they are high-quality customers among bank loan customers and can enjoy preferential interest rates, so floating interest rates are more favorable.
Proof of income and repayment ability: banks will require borrowers to provide proof of income when issuing loans. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time, and the bank can also approve it after meeting the conditions. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference.
Special reminder, some second-hand houses cannot be loaned, such as relocated houses, resettlement houses, public houses, enterprise houses, small property houses and other second-hand houses with incomplete property rights certificates cannot be loaned. When choosing a house, you must pay attention to whether the house has a property right certificate.
Question 8: How long can commercial loans last? 30 years at most.
Question 9: You can borrow a car loan for a few years at most. There are two ways to apply for a car loan: personal credit loan to buy a car (without mortgage or guarantee, you are generally required to have good credit and stable work income), or real estate mortgage loan to buy a car (using real estate as collateral). Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate mainly depends on your loan type and your personal qualifications to determine the loan conditions:
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;