Second-hand houses with the age of 1 and 15 can be mortgaged, and the excess depends on the specific housing. Usually, the loan ratio of commercial banks is as follows:/kloc-70% for loans within 0/0 years, and 50-60% for loans within 0/0-15 years. 2. Under normal circumstances, the second-hand housing mortgage loan needs the guarantee of a third party. Individuals can't get loans directly from banks. Because you are not familiar with the interest rate process, no one will handle the docking procedures with banks and housing exchanges for you. Just find an intermediary company or loan company to help you with the loan. 3. "Measures for Housing Registration" Article 33 To apply for housing ownership transfer registration, the following materials shall be submitted: (1) an application for registration; (2) the identity certificate of the applicant; (three) all of the housing or real estate ownership certificate; (four) materials to prove the transfer of ownership of the house; (5) Other necessary materials. The materials mentioned in Item (4) of the preceding paragraph may be sales contracts, exchange contracts, gift contracts, bequests, inheritance certificates, division agreements, merger agreements, legal documents that come into effect by the people's courts or arbitration committees, or other materials that prove the transfer of house ownership.

Legal objectivity:

Specific Measures for the Administration of Commercial Loans for Second-hand Houses Article 2 The term "personal second-hand housing loans" as mentioned in these Measures refers to RMB loans granted by banks to natural persons who use credit funds to purchase second-hand houses in Chinese mainland. Second-hand housing refers to all kinds of houses that have obtained the ownership certificate issued by the real estate administrative department and can be traded in the secondary housing market, including second-hand housing and second-hand commercial housing.