When purchasing a second-hand house, you can choose to purchase it in full or with a loan. If you choose the second purchase method, you must meet the legal conditions. So, legally, what are the conditions for second-hand housing loans? In addition, in practice, are there risks in second-hand housing loans? The following will give you a more specific explanation. 1. What are the conditions for second-hand housing loans? Specifically, there are many conditions required for second-hand housing loans, including applicable objects, scope and materials that should be submitted. 1. Applicable objects of real estate loans. (1) House buyers who have paid part of the house payment, but lack the ability to continue paying for the remaining second-hand house payment. (2) Various intermediary companies, property companies and developers. 2. The scope of real estate loans. The scope of second-hand housing loans includes self-occupied housing purchased by owners on the secondary real estate market, including commercial housing, private housing, and purchased public housing and affordable housing that are allowed to be traded on the market. 3. Materials that should be submitted for real estate loans. (1) Identity cards, household registration booklet, temporary residence permit and household registration booklet for foreigners; (2) 2 copies of marriage certificate, divorce certificate or court judgment, and single certificate; (3) Income certificate (format designated by the bank); (4) A copy of the business license of the unit where you work (with official seal); (5) Credit certificate: including academic certificates, other properties, bank statements, certificates of deposit, etc.; (6) If the borrower is a corporate legal person, you must also provide an annual inspection Business license, tax registration certificate, organization code certificate, articles of association, and financial statements. 2. Are there risks in second-hand housing loans? In second-hand housing loans, banks sometimes have the risk of not being able to collect the loan on time. These risks are not inevitable. Many of them can be avoided as long as prevention is strengthened. The main risks of second-hand housing loans are: 1. Applying for a loan using other people's documents and information. After the bank approves the loan, using forged documents or someone else's name to sign a mortgage loan contract will of course be invalid. 2. The transaction is invalid. This is a risk brought by the seller. The person who goes to the real estate trading center to register the transfer is not the real right holder, but someone else pretending to be the owner. Once a dispute arises, the court will rule that the transaction is invalid and the bank will be involved. The prevention of this risk depends on the strictness of the real estate transaction center's review. 3. Fake mortgage. First create a right holder, then sell the so-called right holder's house to the borrower, and use these fictitious materials to apply for a mortgage loan from the bank. After the application is approved, when registering the transaction, you only need to provide the bank's mortgage materials. After the mortgage is completed, you can get a loan from the bank, thereby defrauding you of a housing loan with a lower interest rate and a longer term. One characteristic of this fraud is that the issuance date of the other certificate of rights and the real estate certificate are inconsistent, unless it is forged again. 4. Related transactions. The purpose of obtaining a bank loan is achieved through related transactions between oneself, such as house sales between spouses, brothers and sisters, and father and son. In addition to the transfer of property rights, this kind of transaction does not involve changes in residents and no down payment. The loaned funds are not used to pay for the house at all, but are used for other aspects, even to repay gambling debts, which are currently overdue. This happens a lot in loans. Hope it can be of some help to you. In practice, it often happens that some real estate agents or scalpers borrow other people's names, give them thousands of yuan, and use their names to purchase houses with loans. In these cases, it is recommended that you do not do it as there are significant legal risks. If you have any other questions about second-hand housing loans, it is recommended that you consult a professional lawyer.