Nowadays, many people will choose to sell their old houses in order to buy new ones. However, banks usually have regulations on the age of second-hand houses. Some sellers worry that because the old houses are too old, banks will not lend money, which will lead to buyers not buying them. So can I get a loan for the old house? Next, Bian Xiao will briefly introduce it to you.

1. Whether the old house can be loaned depends on whether the loan applicant and the house to be loaned meet the requirements of the bank housing loan. Under normal circumstances, banks will require old houses to have clear property rights and meet the listing and trading conditions stipulated by the state. For example, old houses should have real estate licenses, land certificates and other supporting documents; Old houses are not within the scope of local urban reconstruction and demolition, and so on.

In addition, the bank also has relevant requirements for the age of old houses. Now banks generally require that the age of second-hand houses should not exceed 20 or 25 years, and some banks stipulate that the age of second-hand houses should not exceed 15 years. Different banks have different regulations on the age of a house. We can consult the bank staff for details. In addition, the maturity date of housing loans cannot exceed the land use period.

3. Banks will also consider the location, unit price, area and other factors when approving housing loans. If the old house is remote in location, small in area and low in house price, the loan amount that can be approved is usually relatively low, and the loan may even be refused because of the appreciation of the house and the small space for maintaining value.

4. Banks will also consider the lender's actual situation when approving housing loans. For example, the loan term plus the age of the lender cannot exceed the statutory retirement age. The loan applicant has a stable and legal income and can repay the principal and interest on time; The loan applicant can pay the down payment, and his personal credit is good.

Bian Xiao Abstract: Can't the old house be loaned? Bian Xiao will briefly introduce it to you here. I hope that after reading this article, everyone can understand that old houses can be loaned. We can consult the relevant staff about the conditions and requirements of buying a house in a bank.

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