On February 16, there was a poster circulating on the Internet that Jianfa Real Estate cooperated with some banks in Nanning, Guangxi, and the loan of the house buyer could be up to 100 years old.
The surging news called the phone of the relevant property on the poster as the buyer to inquire about the loan. The property salesperson said that the content on the poster was true. At present, if you want to buy the property listed on the poster, combined with the actual situation of the buyer, it can be operated if it conforms to the bank's loan policy.
"In fact, it is a relay loan, which purchases houses in the name of parents. Children are the co-lenders of the relay loan, and the age of the lender plus the longest loan term can reach the age of 100. In fact, the pressure to repay the loan is much smaller." As for how to make the loan, the sales of the building said that as long as the credit is normal, the specific needs to be determined by the bank after the lender submits the information.
On the 16th, a reporter from the Beijing Business Daily called the developer for inquiry, and the relevant person denied the incident, saying: "No relevant publicity poster has been issued."
For the authenticity of the news, Beijing Business Daily reporters respectively called Minsheng Bank and Pudong Development Bank's Nanning branch for consultation.The personal loan personage of a branch of Pudong Development Bank said that the information about the maximum loan age of 100 years is not true. The bank's current business is not "relay loan", but "joint loan". The borrower's age+term of loan can be up to 70 years old, and the loan term is determined by the youngest buyer among the co-borrowers.
The relevant customer manager of Minsheng Bank also said that at present, the borrower's age+term of the bank is 70 years old. "It's a bit exaggerated that we can't get a loan to 100 years old," said the above account manager.
Just a few days ago, the age of housing mortgage loans for several real estate projects in Nanning could be extended to 80 years old.
On February 11, according to the WeChat official account of the "Nanguo Morning Post", on February 11, several buildings in Nanning announced that "the age limit of housing mortgage loans can be extended to 80 years old". The reporter learned from many banks in Nanning that it is true, and some banks are currently implementing it.
According to the report, for the policy that the loan age can be extended to 80 years old, the relevant marketing directors of Datang Real Estate, Longguang Real Estate, Yinguang Real Estate, Greenland Group and other real estate enterprises said that they were aware of the policy, and individual real estate enterprises clearly said that "they have been following up". In the near future, many of their major real estate projects will launch similar housing loan policies with cooperative banks.
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