The longest loan period for a single apartment is 30 years. Because the property rights of a single apartment are high or low, the longest loan period is different. The longer the property right, the longer the loan period. In addition, single apartments generally require a down payment of 50%. However, due to the small size of the single apartment, although the down payment is 50%, it will not cause too much repayment pressure on users.
Of course, users with better economic conditions can choose to pay more down payment, so that the monthly repayment pressure will be less.
Can I get a loan for my apartment?
You can get a loan to buy an apartment.
Taking Xi 'an as an example, according to the Notice of Xi People's Government on Printing and Distributing Several Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in Xi 'an, houses with a single building area of less than 1.44 square meters and an actual transaction price less than 1.44 times the average transaction price of houses (including apartments) on the same level of land can enjoy preferential credit and tax policies for ordinary housing.
However, to apply for provident fund loans for "apartment building" projects, the following conditions must be met at the same time: according to the nature of the land, the planned land is residential land, and when applying for personal provident fund loans, the "apartment building" projects with 70-year property rights are accepted according to ordinary residential standards. Apartment projects that do not meet the above conditions cannot use personal housing provident fund loans.
In order to further relax the conditions of provident fund loans, lower the extraction threshold, expand the scope of use, realize loans in different places in the province, implement portfolio loans, reduce the progress requirements of loan application projects, and comprehensively improve the personal loan rate and utilization rate of housing provident fund. The maximum amount of housing provident fund loans is adjusted to 750,000 yuan; The loan repayment period can be extended to 5 years after the statutory retirement age of employees, with a maximum of 30 years.
Extended data:
The difference between ordinary houses and apartments;
The Code for Residential Design and the Code for Residential Building of the Ministry of Housing and Urban-Rural Development clearly state that residential buildings are buildings for families to live in. Apartments are divided into business apartments and public welfare apartments.
Business apartments are divided into residential, mixed and hotel. Public welfare apartments include student apartments and elderly apartments. There is no obvious difference in the nature and ownership of land between residential apartments and ordinary houses.
Residential apartment land belongs to residential land, with a service life of 70 years (50 years in some places); The land category of mixed apartment belongs to the comprehensive land use life of 50 years; The land category of serviced apartments belongs to commercial land, with a service life of 40 years.
People's Network-You can also use the provident fund to buy an "apartment"
How to handle the second-hand apartment loan? How much is the down payment for the loan? How many years can I keep it?
The down payment of second-hand apartment loans is 30% to 70%, and the loan period is generally 30 years. Mo Long is recommended for the apartment loan, and it can be released as soon as 1 day, without mortgage loan. Apartment stores can also apply for loans within 2 hours at the earliest, without mortgage, which is worth choosing.
The disadvantages of second-hand apartment loans are as follows:
1. Short term of property rights: As the apartment is a commercial property, its term of property rights is much shorter than that of ordinary houses, and after the land life of the commercial apartment expires, it needs to pay a high premium to continue using it.
Second, management fees and utilities are relatively expensive: utilities and management fees for apartments are charged according to commercial standards. Compared with ordinary houses, the charging standard of water and electricity management fees is much higher.
Third, the mortgage term is short and the interest rate is relatively high: the apartment is a commercial property, and the purchase of the apartment is not affected by the residential purchase restriction order and the loan restriction order.
Fourth, it is impossible to enter a prestigious school without entering the home; Apartments are generally built in good locations and the surrounding facilities are very complete. But apartments can't be entered, and even if there are famous schools nearby, children can't go to school.
Fifth, it is difficult to change hands because of high taxes and fees; Buyers who buy apartments want to sell them again, and they need to pay higher taxes than ordinary houses.
For more information about loans, please consult Mollon. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies. Trustworthy!
How many years can an apartment be loaned at most?
Loans to buy apartments can generally last for up to 30 years. Of course, how long you can get a loan depends on the regulations of the handling bank (you can contact the customer service of the bank by phone for operation consultation).
It should be noted that some banks have certain requirements on the mortgage term and the age of borrowers. The average borrower's age plus the loan period cannot exceed 70 years old, some are 65 years old, and some are relaxed to 75 years old.
Other banks have different loan terms for second-hand houses and first-hand houses, and the loan term for second-hand houses will be shorter, for example, only 20 years.