Second-hand housing can be 0 down payment. Buying a second-hand house with a down payment of 0 is actually a promotional means to attract buyers to buy a house. The zero down payment of the second suite does not mean that there is no down payment in the house, but that the developer must pay a sum of money in advance to the buyer, and the buyer must pay the down payment of the house in full within the specified time. In addition, the seller will charge a certain fee.

The so-called zero down payment is a marketing tool, which violates the national policy on the first suite. Blind loan to buy a house will not only bring greater risks to yourself, but also let the bank take back the house. In addition, not everyone can get a loan, but also depends on your loan qualification and repayment ability. If you sign a house with zero down payment, but you can't pay back the money, you must pay the developer's deposit first.

What should I pay attention to when buying a second-hand house with a loan?

1, pay attention to whether the house can be loaned. To buy a second-hand house and apply for a loan, we must first understand the property rights of the real estate, not every second-hand house can be loaned. For example, small property houses and public houses. , can't check it out.

2. Pay attention to the service life of the house. Buyers should pay attention to the age of the second-hand houses they buy. If the house is too old, the bank will provide you with less loans and may even be rejected by the bank. Therefore, if you want to buy a second-hand house with a loan, you'd better not buy it for too long.

3. Pay attention to the ability to repay the loan. In fact, buying a house or buying a house depends on whether you can afford this month's mortgage. At the same time, the bank will also check the repayment ability of buyers. If your repayment ability is not strong, the bank will refuse the loan. Your credit history must be good, and you must have at least two months' salary.

4. Pay attention when choosing a loan bank. If a buyer wants to buy a second-hand house with a loan, he must choose a loan bank that suits him, because different banks will have different policies. Property buyers should consider the loan term, the number of bank outlets and the convenience of repayment.