1. The commercial loan of the second-hand house is related to the actual selling price of the property, the construction year of the house and personal income. Whether it is a new house or a second-hand house, the mortgage in Guangzhou is related to the market valuation of the house. The higher the valuation of the housing market, the higher the amount of second-hand housing loans can be obtained. Under normal circumstances, the second-hand housing loan amount is about 60% of the market valuation.

Of course, the market valuation of second-hand houses is related to many factors. For example, the geographical location, age, supporting facilities and so on of second-hand houses. Second-hand housing is too old, and it is more difficult to get a loan for more than 20 years. Only some institutions in Guangzhou lend money, but the amount of money they can lend is not large.

3. The second-hand housing loan amount is also related to the applicant's own conditions. If the applicant's own conditions in Guangzhou are very good, then even the second-hand house can get a higher loan amount. On the other hand, if the qualifications are poor, then the loan amount will be discounted.