Of course you can get a loan! As long as you buy a property right house, there is no problem with the provident fund loan, even in the old house! No more than 70% of the house price! If you want a commercial loan, it will be more difficult, because the commercial loan for a house 90 years ago depends on your qualifications, or you can only help you package it through a loan company!

Second, can old second-hand houses apply for provident fund loans when they are older?

If the second-hand housing is older, there is a big difference between provident fund loans and commercial loans. For a second-hand house with a high age, the commercial loan may be only 20%, and the provident fund loan may be 50%. Therefore, it is recommended that buyers, "for older second-hand houses, it is recommended to use provident fund loans." It is suggested that when buying second-hand housing loans, in order to avoid unnecessary, it is forbidden to stipulate the loan terms in the second-hand housing sales contract, such as how to stipulate the liability for breach of contract when the loan contract is not approved and who will bear it; Under what circumstances can the second-hand housing sales contract be terminated, and so on. From the bank's point of view, old houses are prone to ownership problems. Once the lender's repayment is unpredictable, it is difficult for banks to deal with risks. Therefore, banks will be more cautious about the loan application for this part of second-hand housing. Of course, if you have friends and relatives with good comprehensive qualifications to guarantee you, the chances of getting a loan will be even greater. Moreover, the policies of each city are different: First, Beijing 1, and the remaining service life of the house is reduced by 3 years. 2. The longest loan term is 30 years. 3. The longest sum of the lender's age and loan period is 70 years. 2. The longest loan period of a first-hand house or a second-hand house with a five-year completion period in Shanghai is 30 years, and the longest loan period of a second-hand house with a five-year completion period is 15 years, but not more than five years after the statutory retirement age of the main lender (that is, 65 years for men and 60 years for women). Three, Guangzhou housing age plus loan period is not more than 35 years. 4. Shenzhen has no requirement for the age of second-hand houses, but only requires that the sum of the lender's age and the loan term should not exceed 70 years.

Third, can you use the provident fund to buy an old house?

There are all kinds of houses in the second-hand housing market, including many old houses. Although the house is very old, the location is very good. Then can I use the provident fund to buy an old house? It depends on how old the house is. As long as it is still within the loan period, you can use the provident fund loan. Generally speaking, the age limit is 20 years, and you can't borrow it after 20 years. In addition to the problem of loans, there may still be some quality problems in the old house, so you should look carefully before buying a house.

What are the disadvantages of old second-hand houses? 1. Planning and designing old second-hand houses refers to some older second-hand houses. Most of these houses belong to the last century or the last decade, so the old second-hand houses were built early, and the planning and design will definitely be very different from now on. The greening rate and floor area ratio can not meet the requirements of modern people's quality of life, and the space between buildings is small, which even affects the access of private cars. In addition, due to years of weathering, the house is relatively shabby. 2. Lack of parking spaces In the past, owning a private car was very unusual, so many old second-hand houses were located in communities with insufficient parking spaces. Now basically every family has a private car, and the lack of parking spaces will cause the owners to park indiscriminately. In the early morning, impatient owners often honk their horns because other people's cars are in the way, which will affect the rest of the whole community. It is not so easy to apply for a loan for an old second-hand house. Generally, the loan period of second-hand houses should not exceed thirty or forty years. If the second-hand house is older, the bank may refuse to issue loans or shorten the loan period. Short loan term means high monthly payment and high repayment pressure. 4, high maintenance costs If you buy an old second-hand house, you should also consider the problem of house wear. After living in most old second-hand houses for a long time, there will be some wear and tear in both decoration and equipment. The biggest problem in buying second-hand houses is decoration. Generally, the decoration quality of old second-hand houses is very poor, especially the kitchen and bathroom. When you buy a house, you should knock out the original decoration and decorate it again. Decoration will be limited by problems such as housing structure, and it will inevitably be tossed.