住房公积金贷款年限有什么规定_百度知道
住房公积金贷款年限有什么规定
提示借贷有风险，选择需谨慎
我有更好的答案
住房公积金贷款购房，一般贷款年限不得超过借款人自住房公积金贷款发放之日起至法定退休年龄止的年限。具体的要以当地住房公积金管理中心规定的贷款期限内容为主，以北京为例，根据北京住房公积金管理中心的规定：北京住房公积金个人贷款期限为1-25年，最长期限可以计算到70周岁（组合贷款可计算到65岁），同时不得超过25年。对于夫妻双方申请住房公积金个人贷款的，在计算贷款期限时，要同时考虑夫妻双方的年龄，以年龄较大者计算。对于贷款所购房屋为二手房的，还应符合抵押物剩余使用年限比最高贷款期限大3年的规定。比如：购买二手房向管理中心申请公积金贷款，贷款人年龄为40岁，爱人的年龄为45岁，抵押物剩余使用年限为27年，则按年龄计算的最高贷款年限为25年，按抵押物剩余使用年限计算的最高贷款年限为24年，最终最高可贷款年限为24年。
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主营：互联网 房地产
公积金贷款期限最长不超过30年。公积金贷款的条件：只有参加住房公积金制度的职工才有资格申请住房公积金贷款，没有参加住房公积金制度的职工就不能申请住房公积金贷款；参加住房公积金制度者要申请住房公积金个人购房贷款还必须符合以下条件：即申请贷款前连续缴存住房公积金的时间不少于六个月。因为，如果职工缴存住房公积金的行为不正常，时断时续，说明其收入不稳定，发放贷款后容易产生风险；配偶一方申请了住房公积金贷款，在其未还清贷款本息之前，配偶双方均不能再获得住房公积金贷款。因为，住房公积金贷款是满足职工家庭住房基本需求时提供的金融支持，是一种&住房保障型&的金融支持；贷款申请人在提出住房公积金贷款申请时，除必须具有较稳定的经济收入和偿还贷款的能力外，没有尚未还清的数额较大、可能影响住房公积金贷款偿还能力的其他债务。当职工有其他债务缠身时，再给予住房公积金贷款，风险就很大，违背了住房公积金安全运作的原则；公积金贷款期限最长不超过30年。办理组合贷款的，公积金贷款和商业性住房贷款的贷款期限必须一致。
本回答被网友采纳
住房公积金贷款的额度及年限规定如下：办理公积金贷款，申请人必须连续缴存满12个月的公积金，且申请公积金贷款时，公积金缴存状态正常（欠缴1个月以上的不受理贷款）。商品房最高贷款额度不能超过总房价七成，二手房最高贷款额度不超过契税单价的六成；公积金个人贷款额度计算公式 ：（当月缴存额×当前至法定退休年龄的总月数+公积金账户当前余额）×2；法定退休年龄：女55岁；男60岁。贷款年限最长25年；此公式适用购买一手楼用户参照直接计算，若是二手楼，由于要考虑到房屋的评估价、交易价、契税价，需公积金中心审核资料后才能答复具体贷款金额；目前住房公积金最高限额，各地方不同，需要咨询购房所在地的住房公积金中心。
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我们会通过消息、邮箱等方式尽快将举报结果通知您。Apache Tomcat/8.0.18 - Error report HTTP Status 500 - Reque nested exception is java.lang.RuntimeException: org.springframework.jdbc.UncategorizedSQLException: type Exception reportmessage Reque nested exception is java.lang.RuntimeException: org.springframework.jdbc.UncategorizedSQLException: description The server encountered an internal error that prevented it from fulfilling this request.exceptionorg.springframework.web.util.NestedServletException: Reque nested exception is java.lang.RuntimeException: org.springframework.jdbc.UncategorizedSQLException:
### Error updating database.
Cause: java.sql.SQLException: The table 't_inforcount' is full
### The error may involve org.souqian.newdao.InforcountDao.insertInforcount-Inline
### The error occurred while setting parameters
### SQL: insert into t_inforcount (id, title, inforId,
values (?, ?, ?,
### Cause: java.sql.SQLException: The table 't_inforcount' is full
; uncategorized SQLException for SQL []; SQL state [HY000]; error code [1114]; The table 't_inforcount' nested exception is java.sql.SQLException: The table 't_inforcount' is full
org.springframework.jdbc.UncategorizedSQLException:
### Error updating database.
Cause: java.sql.SQLException: The table 't_inforcount' is full
### The error may involve org.souqian.newdao.InforcountDao.insertInforcount-Inline
### The error occurred while setting parameters
### SQL: insert into t_inforcount (id, title, inforId,
values (?, ?, ?,
### Cause: java.sql.SQLException: The table 't_inforcount' is full
; uncategorized SQLException for SQL []; SQL state [HY000]; error code [1114]; The table 't_inforcount' nested exception is java.sql.SQLException: The table 't_inforcount' is full
at org.springframework.jdbc.support.AbstractFallbackSQLExceptionTranslator.translate(AbstractFallbackSQLExceptionTranslator.java:83)
at org.springframework.jdbc.support.AbstractFallbackSQLExceptionTranslator.translate(AbstractFallbackSQLExceptionTranslator.java:80)
at org.springframework.jdbc.support.AbstractFallbackSQLExceptionTranslator.translate(AbstractFallbackSQLExceptionTranslator.java:80)
at org.mybatis.spring.MyBatisExceptionTranslator.translateExceptionIfPossible(MyBatisExceptionTranslator.java:73)
at org.mybatis.spring.SqlSessionTemplate$SqlSessionInterceptor.invoke(SqlSessionTemplate.java:371)
at com.sun.proxy.$Proxy15.insert(Unknown Source)
at org.mybatis.spring.SqlSessionTemplate.insert(SqlSessionTemplate.java:240)
at org.apache.ibatis.binding.MapperMethod.execute(MapperMethod.java:51)
at org.apache.ibatis.binding.MapperProxy.invoke(MapperProxy.java:52)
at com.sun.proxy.$Proxy57.insertInforcount(Unknown Source)
at org.souqian.services.impl.InforcountServiceImpl.insertInforcount(InforcountServiceImpl.java:18)
at com.alibaba.dubbo.common.bytecode.Wrapper79.invokeMethod(Wrapper79.java)
at com.alibaba.dubbo.rpc.proxy.javassist.JavassistProxyFactory$1.doInvoke(JavassistProxyFactory.java:46)
at com.alibaba.dubbo.rpc.proxy.AbstractProxyInvoker.invoke(AbstractProxyInvoker.java:72)
at com.alibaba.dubbo.rpc.protocol.InvokerWrapper.invoke(InvokerWrapper.java:53)
at com.alibaba.dubbo.rpc.filter.ExceptionFilter.invoke(ExceptionFilter.java:64)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.TimeoutFilter.invoke(TimeoutFilter.java:42)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.monitor.support.MonitorFilter.invoke(MonitorFilter.java:75)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.protocol.dubbo.filter.TraceFilter.invoke(TraceFilter.java:78)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.ContextFilter.invoke(ContextFilter.java:60)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.GenericFilter.invoke(GenericFilter.java:112)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.ClassLoaderFilter.invoke(ClassLoaderFilter.java:38)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.EchoFilter.invoke(EchoFilter.java:38)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.protocol.dubbo.DubboProtocol$1.reply(DubboProtocol.java:108)
at com.alibaba.dubbo.remoting.exchange.support.header.HeaderExchangeHandler.handleRequest(HeaderExchangeHandler.java:84)
at com.alibaba.dubbo.remoting.exchange.support.header.HeaderExchangeHandler.received(HeaderExchangeHandler.java:170)
at com.alibaba.dubbo.remoting.transport.DecodeHandler.received(DecodeHandler.java:52)
at com.alibaba.dubbo.remoting.transport.dispather.ChannelEventRunnable.run(ChannelEventRunnable.java:82)
at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1145)
at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:615)
at java.lang.Thread.run(Thread.java:745)
Caused by: java.sql.SQLException: The table 't_inforcount' is full
at com.mysql.jdbc.SQLError.createSQLException(SQLError.java:1078)
at com.mysql.jdbc.MysqlIO.checkErrorPacket(MysqlIO.java:4190)
at com.mysql.jdbc.MysqlIO.checkErrorPacket(MysqlIO.java:4122)
at com.mysql.jdbc.MysqlIO.sendCommand(MysqlIO.java:2570)
at com.mysql.jdbc.MysqlIO.sqlQueryDirect(MysqlIO.java:2731)
at com.mysql.jdbc.ConnectionImpl.execSQL(ConnectionImpl.java:2818)
at com.mysql.jdbc.PreparedStatement.executeInternal(PreparedStatement.java:2157)
at com.mysql.jdbc.PreparedStatement.execute(PreparedStatement.java:1379)
at org.apache.commons.dbcp.DelegatingPreparedStatement.execute(DelegatingPreparedStatement.java:172)
at org.apache.commons.dbcp.DelegatingPreparedStatement.execute(DelegatingPreparedStatement.java:172)
at sun.reflect.GeneratedMethodAccessor221.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:606)
at org.apache.ibatis.logging.jdbc.PreparedStatementLogger.invoke(PreparedStatementLogger.java:62)
at com.sun.proxy.$Proxy67.execute(Unknown Source)
at org.apache.ibatis.executor.statement.PreparedStatementHandler.update(PreparedStatementHandler.java:44)
at org.apache.ibatis.executor.statement.RoutingStatementHandler.update(RoutingStatementHandler.java:69)
at org.apache.ibatis.executor.SimpleExecutor.doUpdate(SimpleExecutor.java:48)
at org.apache.ibatis.executor.BaseExecutor.update(BaseExecutor.java:105)
at org.apache.ibatis.executor.CachingExecutor.update(CachingExecutor.java:71)
at org.apache.ibatis.session.defaults.DefaultSqlSession.update(DefaultSqlSession.java:152)
at org.apache.ibatis.session.defaults.DefaultSqlSession.insert(DefaultSqlSession.java:141)
at sun.reflect.GeneratedMethodAccessor314.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:606)
at org.mybatis.spring.SqlSessionTemplate$SqlSessionInterceptor.invoke(SqlSessionTemplate.java:358)
... 34 more
org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:894)
org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:778)
javax.servlet.http.HttpServlet.service(HttpServlet.java:618)
javax.servlet.http.HttpServlet.service(HttpServlet.java:725)
org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:52)
org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88)
org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:76)
root causejava.lang.RuntimeException: org.springframework.jdbc.UncategorizedSQLException:
### Error updating database.
Cause: java.sql.SQLException: The table 't_inforcount' is full
### The error may involve org.souqian.newdao.InforcountDao.insertInforcount-Inline
### The error occurred while setting parameters
### SQL: insert into t_inforcount (id, title, inforId,
values (?, ?, ?,
### Cause: java.sql.SQLException: The table 't_inforcount' is full
; uncategorized SQLException for SQL []; SQL state [HY000]; error code [1114]; The table 't_inforcount' nested exception is java.sql.SQLException: The table 't_inforcount' is full
org.springframework.jdbc.UncategorizedSQLException:
### Error updating database.
Cause: java.sql.SQLException: The table 't_inforcount' is full
### The error may involve org.souqian.newdao.InforcountDao.insertInforcount-Inline
### The error occurred while setting parameters
### SQL: insert into t_inforcount (id, title, inforId,
values (?, ?, ?,
### Cause: java.sql.SQLException: The table 't_inforcount' is full
; uncategorized SQLException for SQL []; SQL state [HY000]; error code [1114]; The table 't_inforcount' nested exception is java.sql.SQLException: The table 't_inforcount' is full
at org.springframework.jdbc.support.AbstractFallbackSQLExceptionTranslator.translate(AbstractFallbackSQLExceptionTranslator.java:83)
at org.springframework.jdbc.support.AbstractFallbackSQLExceptionTranslator.translate(AbstractFallbackSQLExceptionTranslator.java:80)
at org.springframework.jdbc.support.AbstractFallbackSQLExceptionTranslator.translate(AbstractFallbackSQLExceptionTranslator.java:80)
at org.mybatis.spring.MyBatisExceptionTranslator.translateExceptionIfPossible(MyBatisExceptionTranslator.java:73)
at org.mybatis.spring.SqlSessionTemplate$SqlSessionInterceptor.invoke(SqlSessionTemplate.java:371)
at com.sun.proxy.$Proxy15.insert(Unknown Source)
at org.mybatis.spring.SqlSessionTemplate.insert(SqlSessionTemplate.java:240)
at org.apache.ibatis.binding.MapperMethod.execute(MapperMethod.java:51)
at org.apache.ibatis.binding.MapperProxy.invoke(MapperProxy.java:52)
at com.sun.proxy.$Proxy57.insertInforcount(Unknown Source)
at org.souqian.services.impl.InforcountServiceImpl.insertInforcount(InforcountServiceImpl.java:18)
at com.alibaba.dubbo.common.bytecode.Wrapper79.invokeMethod(Wrapper79.java)
at com.alibaba.dubbo.rpc.proxy.javassist.JavassistProxyFactory$1.doInvoke(JavassistProxyFactory.java:46)
at com.alibaba.dubbo.rpc.proxy.AbstractProxyInvoker.invoke(AbstractProxyInvoker.java:72)
at com.alibaba.dubbo.rpc.protocol.InvokerWrapper.invoke(InvokerWrapper.java:53)
at com.alibaba.dubbo.rpc.filter.ExceptionFilter.invoke(ExceptionFilter.java:64)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.TimeoutFilter.invoke(TimeoutFilter.java:42)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.monitor.support.MonitorFilter.invoke(MonitorFilter.java:75)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.protocol.dubbo.filter.TraceFilter.invoke(TraceFilter.java:78)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.ContextFilter.invoke(ContextFilter.java:60)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.GenericFilter.invoke(GenericFilter.java:112)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.ClassLoaderFilter.invoke(ClassLoaderFilter.java:38)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.filter.EchoFilter.invoke(EchoFilter.java:38)
at com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
at com.alibaba.dubbo.rpc.protocol.dubbo.DubboProtocol$1.reply(DubboProtocol.java:108)
at com.alibaba.dubbo.remoting.exchange.support.header.HeaderExchangeHandler.handleRequest(HeaderExchangeHandler.java:84)
at com.alibaba.dubbo.remoting.exchange.support.header.HeaderExchangeHandler.received(HeaderExchangeHandler.java:170)
at com.alibaba.dubbo.remoting.transport.DecodeHandler.received(DecodeHandler.java:52)
at com.alibaba.dubbo.remoting.transport.dispather.ChannelEventRunnable.run(ChannelEventRunnable.java:82)
at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1145)
at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:615)
at java.lang.Thread.run(Thread.java:745)
Caused by: java.sql.SQLException: The table 't_inforcount' is full
at com.mysql.jdbc.SQLError.createSQLException(SQLError.java:1078)
at com.mysql.jdbc.MysqlIO.checkErrorPacket(MysqlIO.java:4190)
at com.mysql.jdbc.MysqlIO.checkErrorPacket(MysqlIO.java:4122)
at com.mysql.jdbc.MysqlIO.sendCommand(MysqlIO.java:2570)
at com.mysql.jdbc.MysqlIO.sqlQueryDirect(MysqlIO.java:2731)
at com.mysql.jdbc.ConnectionImpl.execSQL(ConnectionImpl.java:2818)
at com.mysql.jdbc.PreparedStatement.executeInternal(PreparedStatement.java:2157)
at com.mysql.jdbc.PreparedStatement.execute(PreparedStatement.java:1379)
at org.apache.commons.dbcp.DelegatingPreparedStatement.execute(DelegatingPreparedStatement.java:172)
at org.apache.commons.dbcp.DelegatingPreparedStatement.execute(DelegatingPreparedStatement.java:172)
at sun.reflect.GeneratedMethodAccessor221.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:606)
at org.apache.ibatis.logging.jdbc.PreparedStatementLogger.invoke(PreparedStatementLogger.java:62)
at com.sun.proxy.$Proxy67.execute(Unknown Source)
at org.apache.ibatis.executor.statement.PreparedStatementHandler.update(PreparedStatementHandler.java:44)
at org.apache.ibatis.executor.statement.RoutingStatementHandler.update(RoutingStatementHandler.java:69)
at org.apache.ibatis.executor.SimpleExecutor.doUpdate(SimpleExecutor.java:48)
at org.apache.ibatis.executor.BaseExecutor.update(BaseExecutor.java:105)
at org.apache.ibatis.executor.CachingExecutor.update(CachingExecutor.java:71)
at org.apache.ibatis.session.defaults.DefaultSqlSession.update(DefaultSqlSession.java:152)
at org.apache.ibatis.session.defaults.DefaultSqlSession.insert(DefaultSqlSession.java:141)
at sun.reflect.GeneratedMethodAccessor314.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:606)
at org.mybatis.spring.SqlSessionTemplate$SqlSessionInterceptor.invoke(SqlSessionTemplate.java:358)
... 34 more
com.alibaba.dubbo.rpc.filter.ExceptionFilter.invoke(ExceptionFilter.java:108)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.rpc.filter.TimeoutFilter.invoke(TimeoutFilter.java:42)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.monitor.support.MonitorFilter.invoke(MonitorFilter.java:75)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.rpc.protocol.dubbo.filter.TraceFilter.invoke(TraceFilter.java:78)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.rpc.filter.ContextFilter.invoke(ContextFilter.java:60)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.rpc.filter.GenericFilter.invoke(GenericFilter.java:112)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.rpc.filter.ClassLoaderFilter.invoke(ClassLoaderFilter.java:38)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.rpc.filter.EchoFilter.invoke(EchoFilter.java:38)
com.alibaba.dubbo.rpc.protocol.ProtocolFilterWrapper$1.invoke(ProtocolFilterWrapper.java:91)
com.alibaba.dubbo.rpc.protocol.dubbo.DubboProtocol$1.reply(DubboProtocol.java:108)
com.alibaba.dubbo.remoting.exchange.support.header.HeaderExchangeHandler.handleRequest(HeaderExchangeHandler.java:84)
com.alibaba.dubbo.remoting.exchange.support.header.HeaderExchangeHandler.received(HeaderExchangeHandler.java:170)
com.alibaba.dubbo.remoting.transport.DecodeHandler.received(DecodeHandler.java:52)
com.alibaba.dubbo.remoting.transport.dispather.ChannelEventRunnable.run(ChannelEventRunnable.java:82)
java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1145)
java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:615)
java.lang.Thread.run(Thread.java:745)
note The full stack trace of the root cause is available in the Apache Tomcat/8.0.18 logs.Apache Tomcat/8.0.18个人住房公积金贷款额度和期限有哪些规定_百度知道
个人住房公积金贷款额度和期限有哪些规定
提示借贷有风险，选择需谨慎
我有更好的答案
　　贷款额度就是贷款总额。按照当前的政策，贷款总额为房价的70%。　　贷款期限就是贷款时间，贷款时间最长30年。贷款时间与贷款人的年龄、房子的房龄有关。 银行在为借款人评估房贷还款年限时，首先以其年龄作为基础。一般在符合贷款条件的前提下，年龄越小贷款年限越长，反之年龄越大，贷款年限则较短。通常情况下，“贷款人年龄+贷款年限不超过65年”，就是银行行能够为其办理的贷款期限。　　贷款者在购买房产时，所购房产的“年龄”将决定其能够贷款多少年限。根据银行规定，房龄较新的房产比较容易做贷款。像建房期在10年以内的2手房，其各方面条件较好，银行愿意对这类房龄的住房贷款加快审批速度。而70、80年代的二手房由于房屋年龄较久，银行可控的贷款风险相对较大，因此银行对这类房屋的贷款审批十分谨慎。　　贷款申请人的经济能力，每月的还款额不能超过收入的一半。不然就要延长贷款时间。　　实际中的贷款大多在20年左右。　　贷款利率由国家央行发布，当前的利率是五年以上贷款5.9%，公积金贷款五年以上4%。银行可根据借款人的情况下浮或上浮商业贷款利率。　　按揭和抵押实际上是一回事。房贷就是用房子做抵押的按揭贷款。
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