How many years is the term of housing loan?

Mortgage loans can last as long as 30 years. The mortgage rate of commercial housing can reach up to 70%; The mortgage rate of office buildings and shops can reach up to 60%; The mortgage rate of industrial plants can reach up to 50%; , the longest period can reach 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

Minimum mortgage loan for several years, maximum mortgage loan for several years.

1 year. The loan term of mortgage is generally 1 to 30 years, and you can choose it at will under the premise of meeting the conditions of the bank, with a minimum of 1 year and a maximum of 30 years. However, few people will only borrow 1 year.

Moreover, because the loan time is too short and the bank's income is low, it may not be approved. Generally, if it is short, you can choose five years, and the regulations of each bank are different.

Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.

The types of housing loans provided by banks mainly include enterprises and individuals. Personal housing loans can be divided into personal housing provident fund loans and personal housing commercial loans, entrusted loans, self-operated loans and portfolio loans.

Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.

Personal housing loan refers to the loan issued by the borrower to the bank with the purchased house as collateral, including forward mortgage loan and existing home mortgage loan. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.

Personal commercial housing loans refer to loans issued by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year.

Personal housing portfolio loan refers to a loan composed of housing provident fund loan and housing guarantee loan, that is, when an individual's application for housing provident fund loan is insufficient to pay the purchase price, the insufficient part applies to the bank for commercial housing loan. The two loans bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. Borrowers can apply for portfolio loans from banks that accept provident fund loans.

How many years is the general life of real estate mortgage loan?

Theoretically, the general term of real estate mortgage loan can be up to 30 years.

1. Where the mortgaged property is used for business:

(1) quota: for business purposes, you can generally apply for 70% of the real estate appraisal value at most;

(2) Interest rate: According to the bank policy and the qualifications of borrowers, the interest rate will rise by more than 20% on the basis of the benchmark interest rate;

(3) Duration: generally not more than five years.

2. Mortgaged real estate for personal consumption:

(5) Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate will generally be implemented or it will rise by 65,438+00%;

(6) Duration: generally within ten years.

(7) The mortgaged property is used to purchase commercial housing.

Extended data:

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.

This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds.

Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans when granting housing loans to individual residents.

Housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.

I. Housing requirements

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

Two. Requirements of the lender

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

procedure

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).