For the upper limit of mortgages in some cities in China, some representatives of the National People's Congress believe that this move may be conducive to boosting the property market, but the housing policy should first consider solving the "just need" and insist on "housing and living do not stir -fry frying."" ".
According to the surging news report, after Nanning in Guangxi, some banks in Shanghai also adjusted the upper limit of the mortgage repayment to 80 years old.The reporter visited many banks in Shanghai on Thursday (16th). The regulations of each bank on real estate loans are different. Most banks have not adjusted the upper limit of the loan repayment age. Generally, the term of the personal housing loan and the highest age of the borrower is stipulated.No more than 70 years (year).
The business personnel of the Huaihai Branch of Industrial Bank said that according to the bank's current regulations, the term of the personal housing loan and the age of the borrower is not more than 80 years old.According to his understanding, this policy adjustment has been adjusted for some time.According to the adjustment policy, for example, a 50 -year -old loan can apply for a 30 -year mortgage, and the 80 -year -old just pays back the loan.
The business staff of the Huaihai Branch of Industrial Bank told reporters that although the bank has adjusted relevant policies, retirees usually do not meet the loan conditions.In other words, most people over 60 years old are actually difficult to apply for a house purchase loan.
The salesperson introduced that the buyer's age is 50, 60 or even higher, and requires stable work, such as opening a company and returning to their, which proves that there is a stable income.The age; and retirees and people who have no stable jobs cannot enjoy a mortgage policy.
The salesman of the Shanghai Jing'an Branch of Xiamen International Bank told reporters that in principle, the bank's personal housing loan period and the age of the borrower are not more than 70 years, and "some customers will extend to 80 years."
"This must comprehensively evaluate the customer's family situation, including occupation, income, children, etc., and only the only individual can be done."It is basically difficult to do mortgages. Unless you open a company by yourself, it is basically difficult to loan after retirement age. "
For some banks to adjust the mortgage policy, ShanghaiPan Shuhong, a representative of the National People's Congress and a lawyer of Shanghai Hengjian Law Firm, believes that this move may help boost the property market and promote the economy. However, the housing policy should first consider solving "just need" and insist on "housing and not frying."
Pan Shuhong believes that mortgage and house purchase involve the distribution of social resources and should have the principles of fairness.Financial policy and real estate policy are a combination of fist, which has a huge impact. Its formulation should be scientific, accurate, fair, and efficient.Is it true that residents are "just needed" and really protect the rights and interests of residents and at the same time conducive to economic development. It should be the starting point of housing policy.
