1. The borrower must use the purchased second-hand house as mortgage for the house purchase loan issued by the borrower who purchased the second-hand house, otherwise the loan will not be granted.

2. The following types of housing can apply for second-hand housing loans: commercial housing, affordable housing, housing reform at cost, central production housing that can be listed, office buildings, shops and apartments.

3. Time requirement for house completion: The houses completed after 1993 are not within the scope of demolition, and there are no signs of demolition and no disputes over creditor's rights and debts.

4. Completion time and loan amount: 80% of the highest loanable appraisal price of commercial housing with completion time within five years; 70% of the highest loanable appraisal price of commercial housing from 2000 to 2003; 60% of the highest loanable appraisal price of commercial housing from 1993 to 1999; On this basis, the cost price of selling houses is reduced by10% respectively; 50% of the highest loanable appraisal price of office buildings, shops and apartments.

What are the conditions for second-hand housing loans?

1. Have permanent residence or valid residence status in cities and towns;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. There is a purchase contract or agreement;

4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase;

5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;

What are the precautions for handling second-hand housing loans?

At present, many property buyers will mainly use second-hand houses, so it is more and more common to apply for second-hand housing mortgage loans from lending institutions. However, it is not so easy to apply for a second-hand housing mortgage loan successfully. Three things to know when applying for second-hand housing mortgage loan.

1. The loan interest rate of second-hand houses is higher than that of first-hand houses.

2. When the second-hand house is handled, it needs all the consent of the seller and the owner before it can be sold. If one party disagrees, it is not allowed.

3. Second-hand housing loans not only have certain requirements for borrowers, but also for houses. If the house is very old, it is generally impossible to get a loan.