The age of second-hand houses varies from place to place. But under normal circumstances, as long as it is a second-hand house that is more than 15 years old, it is not easy to get a loan, especially in recent years, the bank quota has been relatively tight.
However, it's not that old second-hand houses can't get loans. If the location of the second-hand house is very good, the traffic environment of the second-hand house is very good, and the realized value of the second-hand house is strong, there will also be bank loans for the second-hand house for 20 or even 30 years. It will be decided according to the comprehensive situation of second-hand houses.
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2. Can I get a loan for a 202 1 policy 14-year house?
If you can get a loan, the general bank loan period is 20 years. According to the difference of banks in each city, you can consult local banks or intermediary companies.
Third, how many years can't you repay the loan?
There are certain conditions and standards for housing loans. How many years can't you repay the loan? PChouse, let's take a look. Generally, a house cannot be loaned for more than 20 years. Second-hand housing should be controlled within 20-25 years. If the house is more than 25 years old, you can't get a loan. Even if loans can be provided for older houses, banks will reduce the loan base of lenders. Generally speaking, banks basically don't lend money to houses over 20 years old. Because the building structure and materials from the outside to the inside of the house are definitely aging, which will affect the quality of the house, so the bank may refuse the loan for the house with an over-age building. However, in fact, in the second-hand housing transactions, many old houses also sell well. Such an old house is either in a particularly good location or has very advantageous supporting facilities, such as well-known schools. Therefore, whether the house you want to buy can be loaned or not, it is better to consult the bank directly, and the house evaluation has auditors. If one bank doesn't work, try other banks.
Four. Policy 202 1 room age 14 can I get a loan?
If you can get a loan, the general bank loan period is 20 years. According to the difference of banks in each city, you can consult local banks or intermediary companies.