You can apply for a mortgage loan for second-hand housing transactions, but there are some restrictions. First, in terms of property rights, the property must have clear property rights and meet the conditions for listing and trading. Second, the age of the house has an impact on the loan term and amount. Third, if the original loan for the house has not been repaid, the original loan must be repaid before you can apply for a mortgage loan. Fourth, the lender must meet the corresponding conditions, such as being no more than the legal retirement age, having a stable source of income, and no bad loan records.

How to get a mortgage when buying a second-hand house?

1. The first point is that as a borrower, you need to first confirm the mortgage service company with the intermediary before applying for the loan, and contact the mortgage service provider The company proposes loan consultation and determines the loan plan. At this time, we have to make a choice and try to find some companies with high-quality services and relatively low prices.

2. The second point is that you sign a house sales contract with the owner of the second-hand house. Since the requirements of the trading center are different, you need to sign it according to the conditions in your own region. You can consult on this, it is very simple. Then everyone has to prepare loan information and review loan qualifications. Generally, the review time is very fast, so you don’t have to worry.

3. The third point is that after the mortgage service company conducts the preliminary review, if your situation is basically consistent, it will submit the loan information to the lending bank for review. If the bank also passes it, the mortgage service company will arrange for you to apply. Sign the loan agreement with the bank and process the notarization of the agreement, and collect fees at the same time, including house insurance premiums, so that our procedures are complete.

4. The fourth point is that after everything is ready, everyone can go to the trading center in the district where the house is located to handle the house transfer and mortgage procedures, and submit the mortgage receipt to the loan bank through the mortgage service company. In this way The bank can handle it. When handling the transfer, you must be careful and pay attention to the specific conditions of your house.

5. The fifth point is that as a lender, when your real estate certificate and other rights certificates are issued, the mortgage service company will provide a copy of your property certificate and other rights certificates in accordance with regulations. Submit the original certificate to the bank. After our loan bank receives your property certificate and other proofs of rights, the mortgage service company will release the loan amount to you, and the entire process is basically over.

What issues should be paid attention to when buying a second-hand house?

1. Pay attention to loan restrictions

If a house buyer wants to buy a second-hand house through a loan, he must pay attention to the loan purchase There are some restrictions on second-hand houses. First of all, the home buyer’s own credit report must be kept in good condition, because if there are stains on the credit report, the bank may reduce the loan limit or even refuse the loan; secondly, as the editor mentioned above, the property rights of second-hand houses must be clear. On the one hand, In order to protect your own rights and interests and avoid property rights disputes, on the other hand, banks cannot apply for bank loans for houses with unclear property rights.

2. Pay attention to the nature of the land

If the nature of the land where the second-hand house is located is different, then the nature of the real estate will be different. At present, the nature of the real estate is mainly divided into residential nature, commercial nature and industrial nature. Three types. The second-hand house itself has a certain useful life. If you buy a commercial second-hand house, the total ownership period of the house is only forty or fifty years, so you will not have many years left after buying it. Therefore, when buying a second-hand house, it is recommended to buy a residential house as much as possible. In comparison, a residential house is more cost-effective.

3. Pay attention to the quality of the house

Every time a second-hand house is used, the quality of the house will have some problems. Small problems can be ignored, but big problems cannot be ignored. Home buyers should note that the newer the house, the more reliable the quality of the house. In real life, although some houses are not very old, the quality is not satisfactory due to various reasons. Therefore, when buying a house, home buyers must learn to examine the quality of the house more deeply, such as the reputation and strength of the developer, rather than judging the quality of the house solely based on its age and decoration.

The above is the relevant content shared by the editor about whether you can get a mortgage loan when buying a second-hand house. For more information, you can follow the construction industry to share more useful information