How many years can't the house be loaned?
Real estate license cannot be loaned for more than 20 years.
Major banks have strict requirements on the loan life of second-hand houses, and second-hand houses that have been over 20 years basically do not lend. Individual banks even require second-hand houses with an age of 15 to get loans. Second-hand houses are often different in age, and owners who have no experience in buying a house must understand the age of the house.
Pay attention to all purchases of second-hand houses. 1. If the age of the house should be indicated in the house purchase contract and it is agreed that the real age of the house is intentionally concealed after signing the contract, the buyer has the right to claim compensation. Under this black-and-white agreement, intermediaries generally do not resort to deceit.
If you don't believe the age of the house quoted by the intermediary or seller, you can go to the housing management department to understand the real situation of the house. This method is more accurate. In addition, there is a convenient way, that is, ask neighbors to get a general idea of the age of the house.
What should I pay attention to when buying a house with a loan?
1.
First of all, you must know your own situation before buying a house, and judge according to your own housing needs, which funds can be used to buy a house, how big a house to buy, where to choose the real estate, and so on. And make clear your own housing requirements, you can reduce some detours when choosing a house after buying a house, so you can buy it directly according to the requirements.
Step 2 choose the floor of the house
When choosing the floor of a house, we must pay more attention to it, and we must avoid the house on the ground floor and the house on the top floor, because the house on the ground floor will be damp, which will be harmful to our health if we live for a long time, and the sidewalk directly connected with the ground also has certain security risks, while the top floor will be very stuffy and prone to water leakage in summer, so we should consider it carefully when choosing the floor.
3. Pay attention to property services
The property service of the community will also directly affect the quality of life of the owners in the future. The services provided by different property management companies are often different. Whether the property management companies can try their best to complete the task or not affects the overall quality of the community.
4. Surrounding facilities
When choosing a house, we should also consider whether some supporting facilities around us are comprehensive. For families with old people and children, we should also consider whether some supporting facilities around us, such as shopping malls, supermarkets, hospitals and schools, are comprehensive, which directly affects the convenience of our lives.