1, property nature
Ordinary residential property rights are 70 years, and the longest loan period is 30 years; For commercial buildings and commercial/residential buildings, the term of property rights is 40 years or 50 years, and the longest loan term is 10 year; The longest loan period for private property transfer houses and auction houses is 20 years.
2. The age of the house
When buying a second-hand house, the loan period will be affected by the age of the house. The age of the house is calculated from the date of completion and delivery of the house. The older the house, the shorter the loan period. The sum of the age of the second-hand house and the loan period cannot exceed 30 years, some banks stipulate that it cannot exceed 40 years, and some stipulate that it cannot exceed 50 years. It depends on the regulations of each bank and the specific situation of the house, such as location and value.
3. Lender's age
20-year-old young people and 50-year-old middle-aged people have different loan terms when buying a house. Generally speaking, the sum of the loan term and the borrower's age shall not exceed 65 (or 70).
4. Land use years
The service life of the land is calculated from the date of land acquisition, and there is a certain service life. The maturity date of the loan cannot exceed the land use period, which varies from bank to bank. It is best for buyers to consult the loan bank before the loan, so as to know the land service life of the purchased house, and avoid the influence of the remaining land service life on the loan service life of the purchased house and increase the repayment pressure.
5. The economic strength of the lender
Housing accumulation fund has a certain security nature, aiming at solving the housing problem for employees. The more the provident fund is paid, the shorter the loan period will be. This is because banks have strict requirements for high-income people when applying for provident fund loans. For example, Xiaoming, a single person, bought a house in a second-tier city, with an average house price of less than 1000 yuan/square meter, and used a provident fund loan of 600,000 yuan. The loan is 30 years, and the monthly payment is 26 1 654,38+0 yuan; Xiao Ming's monthly salary after tax is10.8 million yuan, and he pays 5,000 yuan of provident fund every month. This 5000 yuan monthly provident fund, after paying off the monthly payment, still has a lot of balance, plus Xiaoming's high monthly salary. Then, it is impossible for Xiao Ming to borrow money for 30 years.
When buying a house loan, we must pay attention to the loan period of the house, because the length of the loan period is related to the monthly expenses of the family.
(The above answers were published on 20 17-03-07. Please refer to the current actual purchase policy. )
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