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2. Can the house be mortgaged in the bank after 25 years?

China Merchants Bank's personal loan, accepting commercial houses and commercial houses with clear property rights and strong liquidity as collateral, must meet the following conditions:

1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;

2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;

4, with strong liquidity, the real estate structure is intact, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services are complete, there are no problems and problems, which are not within the scope of government planning;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 30 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral. Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.

Third, can the old house be mortgaged?

Hello, the mortgage loan requires the service life of the house to be 20 years, and the mortgage loan amount is 80% of the appraised value. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. "Borrower's age" is generally not more than 70 years old.

Basic conditions for applying for a loan:

1, a natural person with China nationality and full capacity for civil conduct;

2. Holding is valid

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Loan amount and term:

1, and the highest mortgage rate of commercial housing can reach 80%;

2. The mortgage rate of office buildings and shops can reach up to 60%;

3. The mortgage rate of industrial plants can reach up to 50%;

4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

Operation process of real estate mortgage registration:

Time limit for real estate mortgage loan registration: 7 working days

The following documents are required:

1, house ownership

2. Evaluation report;

3. Real estate mortgage bank loan contract;

4. Mortgagor's wrong ID card);

5. Other relevant materials.

Processing flow: 2 days, 1 day for review, 3 days for approval, 1 day for certificate preparation, 1 day for payment authentication and filing.

Can a 25-year-old house be mortgaged

Generally, it is difficult to make mortgage loans for a house with a 25-year-old house. Banks often do not accept mortgage loans for more than 20 years for the sake of income and risk.

In the past, banks usually accepted mortgage loan applications for properties over 20 years old, such as properties after 1985, but the loan ratio would be reduced. However, with the frequent implementation of the 20 10 regulation policy, the conditions for banks to review mortgage loans are becoming more and more demanding. There are many restrictions on room age and personal credit qualification. At present, most banks have basically refused to accept mortgage loan applications for houses with a room age of more than 20 years. In other words, houses before 1990 can hardly get mortgage loans. Although individual banks can issue them, they are very strict with the applicant's income, housing area and location.

If your house is more than 25 years old, but you still want to apply for a loan, you can go to the relevant loan bank to consult clearly, and some banks may agree to the loan.

To apply for a bank mortgage loan, at least three conditions must be met:

First of all, prepare all the information needed for housing loan. The information of existing houses is complete. The information here not only refers to the real estate license, but also includes a series of related information. If the housing information is incomplete, it is very difficult to apply for a mortgage loan.

Second, the loan money has been paid off. That is to say, the arrears of your previous loan have all been paid off. If you still have outstanding loans, your house has been over 25 years, and it is very unfavorable for you to apply for a loan at this time.

Third, the geographical location and area of the house. The better the geographical location, the larger the house area, the higher the probability of applying for loans and the more loans.