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1. What are the factors that affect the purchase period of commercial loans?
When a purchaser applies for a commercial loan, the age of the purchased house, the age of the purchaser and whether the purchased house is the first or second set will all affect the length of the loan period.
1. What is the relationship between the loan period and the age of the house purchased?
The sum of the commercial loan period and the house age cannot exceed 50 years, so borrowers who want to borrow for a few more years can try to buy a house built behind.
2. What is the relationship between the loan term and the borrower's age?
The sum of the loan period and the age of the purchaser cannot exceed 65 (some banks can relax it to 70), so couples who want to borrow more can choose the younger one to apply for a loan.
3. What is the longest loan period stipulated by the bank?
The longest loan period for buying a house is 25 years.
Second, for example
Generally speaking, the longer the age of the house purchased, the shorter the longest loan period.
Take the influence of the years of purchased houses on the years of loans as an example:
Xiaoli is 37 years old and has no room under her name. She likes two houses in Beijing, which were completed in 1990 and 2007 respectively. If she wants to buy a loan, is the longest loan period the same?
1. If Xiaoli chooses the house completed on 1990, the loan period is:
65-37=28; 50-(2017-1990) = 23 years; Up to 25 years;
Xiaoli can borrow money for up to 23 years to buy this house.
2. If Xiaoli chooses the house completed in 2007, the loan period is:
65-37=28; 50-(20 17-2007)=40 years; Up to 25 years;
Xiaoli can borrow money for up to 25 years to buy this house.
Although the age and age of the house will have a certain impact on the loan period, if the age of the house is shorter than 25 years, or the age of the buyer is younger than 40 years, it generally has no impact on the loan period. Specifically, the bank policy shall prevail.
This content is only applicable to Beijing.