In order to control risks, banks have strict requirements on the duration of housing loans. The age of second-hand houses should be controlled within 20-25 years, and loans cannot be made after 25 years. Even if loans can be provided for older houses, banks will reduce the loan base of lenders. Of course, if the housing lot is good and the liquidity is strong, some banks will also relax the age of the house to 20-30 years, so the specific situation depends on the actual situation of the second-hand house.

The relationship between that age of second-hand house and the loan period

Housing age will affect the loan period and loan base. The older the house, the less the loan period and loan amount. For example, commercial banks such as Industrial Bank and Postal Savings Bank clearly stipulate that the age of the house plus the loan period cannot exceed 35 years and 45 years. Therefore, it is best to know your age before lending.

How to check the room age

1. View the original purchase contract of the seller.

For the second-hand housing listed for the first time, the buyer can check the original contract of the seller, which records how many years and when the land use right of the house began.

2. Inquiry of the Municipal Housing and Urban-Rural Development Committee

After the developer gets the sales certificate, it will be publicized on the Internet, and then according to the community name, pre-sale certificate number, development unit, project address and other information, it will go to the Municipal Housing and Urban-Rural Development Committee to inquire about the age of the house.

3. Observation method

Finally, we can observe the kitchen and bathroom of the house to judge the age, because the decoration of the kitchen and bathroom is more difficult to change and it is easier to judge the age of the house, so we can estimate the age of the house property right through this method.