The duration of the mortgage loan on the Internet and the sum of the age of the borrower to adjust the reporter's investigation of the five major groups to deny

On August 11, the reporter learned that a number of state -owned banks feedback said that there was no requirement for changing the highest age period for personal mortgage loans.

Earlier, a news circulated in social media. According to the news, the term of the personal commercial housing loan of the Bank of China and the sum of the age of the borrower from the current existing no more than 70 years old to 85 years old, with a total period of not more than 30 years.

Regarding the news, the Bank of China customer service staff told reporters that no relevant regulations have been seen yet. It is still according to the "upper limit of 70 years old". Subsequently, the reporter called ICBC, CCB, Agricultural Bank of China, and Bank of Communications after inquiring that its head office and some branches have not recently changed the "sum of loans and the age of borrower" and "the highest age of loan applicants".

At present, the age restrictions on personal mortgage loans are: Bank of China, Bank of Communications, and the upper limit of age to 70th anniversary, ICBC is the 75th anniversary, and the Agricultural Bank of China and CCB have no specific age limit.

Generally speaking, the longest period of personal housing loans that can be applied for by each bank is 30 years. The specific loan period is determined by the loan bank's advice, working years, and repayment capabilities based on the loan bank. According to regulations, the loan period for the borrower's purchase of housing is up to 30 years, and the loan period of the borrower's purchase of commercial houses and "commercial and residential dual -use housing" is not more than 10 years.

According to the staff of the ICBC Beijing Branch, at present, in terms of personal housing loans, the sum of the borrower's age and loan period must not exceed 75 years, and the loan period is up to 30 years. The requirements of new houses and second -hand houses are the same. If the applicant is two, it is calculated based on the age of the youngest of the two. However, parents can be used as co -repayment, and then apply for their own age.

According to the bank staff of the Bank of Communications, under the bank's personal housing loan, the 70 -year -old is the upper limit of the loan applicant's age plus loan period. If the borrowing applicant is two or more, the loan period can be reasonably determined according to the actual situation. The maximum period is 30 years. During the period, the sum of the cumulative period and the time limit for the original loan meet the above requirements, or you can also apply for a loan delay.

The requirements of Construction Bank in various regions are somewhat different. It is understood that the CCB Shenzhen Branch regulations in this regard are that if the borrower is over 50 years old and the loan period plus the borrower is over 65 years old, a third -party guarantee is required. He has a complete capacity for civil behavior, has a natural person who repay his principal and interest, and personal confidence.

CCB Beijing Branch staff said that there is no specific requirements in terms of age. "The applicant needs to be 19 years old, but there is no upper limit."

Agricultural Bank of China is similar to CCB. The staff of the Agricultural Bank of China Beijing Branch said that for the sum of age, as long as the lender is 18 years old, the bank does not have a special special definition for the upper limit. "The current limitation is only due to the loan period prescribed by the head office, the longest does not exceed 20 years. The age and loan period of the borrower and the loan period should not exceed the 70th anniversary."

The latest adjustment or dates back to 2018. Industrial and Commercial Bank of China has extended the maximum age of personal housing loan borrowers from 65 to 70 years old, and the sum of the borrower's age and loan period has not been extended from 70 years to 75 years.

Adaptation to changing economic and social environment is the main reason for the adjustment of personal housing policy. At present, the bank's personal housing loan follows the "Interim Measures for the Management of Commercial Bank of Housing Loan Management". In 2003, the central bank issued the "Notice on Further Strengthening Real Estate Credit Business Management", and for the first time, it proposed the concept of differentiated management of personal housing loans, emphasizing that different housing credit policies were adopted for different buyers.

Properly extend the sum of the age of the borrower and the loan period, help relieve the borrower's repayment pressure, and at the same time meet the demand for house purchase demand for groups over 45 years of age.

According to central bank data, in 2017, the balance of personal housing loans exceeded 20 trillion yuan for the first time, reaching 2.186 trillion yuan; in 2021, the value was 3.832 trillion yuan, an increase of 11.3%year -on -year.

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