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装修贷款最长年限是多长的？款按揭最长年限是多少？

装修贷款最长年限是多长的？款按揭最长年限是多少？

浏览：31次 | 提问时间： 07-22 11:21

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零距离羙感 07-22 11:30

在房屋按揭贷款过程中，贷款的年限越长，借款人每个月分期还款的压力越小。所以很多人在购房按揭的时候都会很关心“房屋按揭贷款最长年限是多长？”这个问题。房屋贷款的年限分以下两种情况：1.新房：就目前情况而言，新房办理按揭，国内银行房贷最长能贷款30年。2.二手房：对于二手房贷款，银行会考虑房子的楼龄，所以二手房贷款申请过程中，年限一般不会超过20年。对于房龄太久的房子，银行不仅仅会适当的减少贷款的年限，也会减少贷款的额度，很多上世纪80年代，90年代初的房子，现在都只能贷到评估价的50%而已，贷款年限也很短。

给你心安 07-22 11:39

:贷款按揭最长年限的计算的公式:法定退休年龄-贷款人年龄+5例:某人今年50岁，法定退休年龄为60周岁，

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