Second-hand houses with incomplete property certificates cannot be mortgaged.
Second-hand housing applications for bank mortgage loans generally require second-hand housing to have a "house ownership certificate" to handle. Second-hand housing without real estate license, you can not apply for mortgage loans. As the proof of housing ownership, real estate license is the state's recognition of individual housing ownership. If the seller doesn't have all the house ownership certificates, he can't apply for a mortgage loan in the bank. There are three kinds of houses with incomplete property right certificates, namely resettlement houses, public property houses, enterprise property houses and small property houses.
You can't apply for a mortgage loan without a second-hand house sale statement.
If the second-hand house is jointly owned by husband and wife, you need a statement that both husband and wife agree to sell before you can apply for a mortgage loan. If you don't get this statement, you can't apply for a mortgage. In addition, before applying for a second-hand housing mortgage loan, make sure that the house you want to buy has not been preserved or sealed up by the judicial authorities, and there is no mortgage.
In addition, if the house is too old and the location of the house is too remote, it is not easy to apply for a mortgage loan. Applicants can consult the local loan bank for specific information.
Mortgaging real estate in violation of regulations
You can't apply for a mortgage loan if you can't transfer records, seal up, transform the old city or have a small property right house. Before buying a second-hand house, you can check the archives of the real estate bureau to confirm the state of the house.
You can't handle mortgage loans in violation of bank regulations.
If the housing area to be loaned is less than 55 square meters and the property right period is more than 30 years, the bank will not grant mortgage loans.
You can't borrow money for personal reasons
This situation mainly refers to the lender's poor credit reporting. General credit records only show the last two years in the credit report. If you keep a good repayment habit within two years, a brand-new credit record will refresh and replace the old negative record after two years. If you have a similar situation, you can consider refreshing the record.
(The above answers were published on 20 15-09- 14. Please refer to the current actual purchase policy. )
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