Details of loan life and housing age of second-hand houses are as follows:

1. The sum of the age of the second-hand house and the loan period can't exceed 30-50 years, which is limited by different banks.

2. The maturity date of the loan cannot exceed the land use period;

3. The sum of the loan term and the borrower's age shall not exceed 65 years old. The term of second-hand housing loan is affected by the borrower's age, the age of second-hand housing and the land use period. The younger the borrower is, the longer the loan period he can apply for.

The service life of housing land is counted from the time when the developer takes the land. The normal service life of land should be 70 years, but the average second-hand house will definitely not reach this service life. The short service life of land will also affect the service life of mortgage. Regarding the age of second-hand houses, the bank will comprehensively calculate the loan life according to the remaining ownership time 1. Banks generally stipulate that the age of second-hand houses cannot exceed 15 or 20 or 25 years, and different banks have different requirements.

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How many years is the loan period and age of the second-hand house?

Now the house price is already very high, and the house price in some first-tier cities is far behind. Many people have been struggling to afford a house all their lives. The price of second-hand houses is more favorable, and they are all existing houses, so many people like to buy second-hand houses when buying a house. So how many years are the loan period and the age of the second-hand house? What problems should I pay attention to when buying a second-hand house? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

How many years is the loan period and age of the second-hand house?

Usually, the loan period and used time of second-hand houses cannot exceed 30 years, the age of houses cannot exceed 15 years, and the loan period cannot exceed the land use period. There are many restrictions on second-hand housing loans. The sum of the loan period and the borrower's age cannot exceed 60 years old.

What problems should I pay attention to when buying a second-hand house?

1. Disposal of second-hand house furniture

Basically, second-hand houses will have furniture and home appliances. Some property buyers saw that the furniture and home appliances were relatively complete and new when they looked at the house. They signed the contract without serious consideration, and found that the furniture and home appliances were removed when they checked in. Before signing the contract, the two sides should negotiate how to deal with the furniture and household appliances in the house and record them in the contract, so it is not easy to happen.

2. Low-priced houses may buy houses with quality problems.

Some second-hand houses are very affordable, even much lower than those in the same lot. You need to be careful in this case. As the saying goes, cheap goods are not good. It is necessary to verify whether there are major quality problems or unclear property rights in the house, or whether there have been murders in the house.

The landlord didn't mention the owner of * * *.

When buying a second-hand house, you need to know whether the house has an owner. If the landlord intentionally conceals the owner, the signed contract is invalid. In addition, it is also necessary to ask about the household registration of the house, whether the seller's household registration can be moved out, and whether it can solve the problem of children going to school.

Summary of the article: The above is the related content of the loan period and the age of the second-hand house introduced by Bian Xiao, and what problems should be paid attention to when buying the second-hand house, hoping to help some friends in need.

Is the loan period of second-hand housing related to the age of the house?

A friend who bought a second-hand house was told that he could not apply for a bank loan. The reason is that the age of second-hand houses is too old, and some buyers don't care too much about the age when buying them. When they buy second-hand houses, they generally only pay attention to the environmental traffic of second-hand houses, but ignore the age of second-hand houses. So is the loan period of second-hand housing related to the age of the house? Next, let's get to know Bian Xiao together!

Is the loan period of second-hand housing related to the age of the house?

First, second-hand houses over 20 years don't lend.

The loan conditions of each bank are different, but a large number of banks have requirements for the age of second-hand houses, and some banks have relatively loose requirements and can accept housing loans with an age of less than 25 years; A large number of banks have strict requirements, and basically do not give second-hand housing loans for more than 20 years, but may appropriately relax the fixed number of years for real estate.

Second, the older the room, the less chance of success.

Banks still have strict requirements on the age of second-hand houses. The older you get, the less successful you are in applying for a loan, and the fewer loans you can apply for. Over the prescribed period, it may even be impossible to apply for a mortgage loan, and buyers can only buy a house in full. The following loan ratios are for your reference:

Houses below 1 and 15 can apply for loans of about 70% of the total house price;

2. A house with a room age of 15~20 years can apply for a loan of about 60% of the total house price;

3. A house with a room age of 20-25 years can apply for a loan of about 50% of the total house price.

In the New Year, parking spaces, greening, apartment layout and residential facilities can be matched with only one section, because this part of the house is no different from buying a new house, and it is still in the urban area, so this kind of second-hand house is more popular with everyone.

Bian Xiao's conclusion: Are the above contents related to the loan period and housing age of second-hand houses? I hope I can help you. I believe that after reading the above contents, do you have any relationship between the loan period and the age of the second-hand house? If you have more knowledge, you can also refer to it in the future.

How to calculate the loan period and age of second-hand housing?

Second-hand housing loans loanable life and life requirements mainly include:

1. The age of ordinary houses shall not exceed 20 years, and the age of other houses shall not exceed 15 years.

2. The sum of ordinary housing service life and loan life shall not exceed 30 years, and the sum of other real estate service life and loan life shall not exceed 20 years. Also, the sum of the loan term and the borrower's age must not exceed 65 years old (some are 70 years old).

It can be seen that the longer the average house age, the shorter the loan period for customers. In different regions and different banks, the term and fixed number of years of second-hand housing loans may be different. It is recommended to consult the customer service of local banks.

For example, China Merchants Bank stipulates that the longest loan period for second-hand houses should not exceed 30 years, the age of purchased properties (the completion period of real estate) should not exceed 20 years, and the loan period plus the age of mortgaged properties should not exceed 40 years in principle (the specific application period should be determined by the handling bank after comprehensive examination and approval).

Extended data:

Second-hand housing loan process:

The process of second-hand housing loan is several more than that of new housing loan. At the same time, only commercial housing, affordable housing, cost housing, central production housing, office buildings, shops and apartments that can be listed can apply for loans. The following is the specific process of second-hand housing loan.

1, field inspection

This is an important part of the second-hand housing loan, which requires the presence of loan officers, buyers and sellers, appraisers and intermediaries. In addition to reviewing whether the house meets the loan conditions, it will also comprehensively evaluate the repayment ability of buyers and sellers. After confirmation, you need to sign the Confirmation of Real Estate Transaction.

Step 2 sign a contract

Loan officers, buyers and sellers, and intermediaries go to the bank to sign contracts at the same time. Lenders need to fill in personal basic information and issue income certificates. At the same time, the confirmation of real estate transaction, personal down payment certificate, company seal and witness signature are required.

Step 3 pay for it

After the pre-trial is passed, the bank will inform the applicant to pay the fee.

4. Transfer of property rights

Buyers and sellers and intermediaries need to go to the Housing Authority to handle the transfer of property rights, which generally takes 5 working days to review and evaluate. After 5 working days, you can get a new real estate license.

Step 5 apply for a mortgage loan

After the Housing Authority completes the transfer, it can file the data for mortgage procedures. After the mortgage procedure is successful, you can get the real estate license.

6. Bank loans

The bank will issue the loan to the designated account, and the applicant also needs to submit the deed tax certificate and the real estate sales contract to the bank for filing. The intermediary needs to stamp the official seal on the confirmation letter of second-hand house mortgage transfer.

Second-hand housing loan requirements:

1. At least 18 years old, with full capacity for civil conduct.

2. Have a permanent residence or valid residence certificate in the local area.

3 have a stable and legitimate source of economic income and the ability to repay the principal and interest of the loan on time.

4. Personal credit is good, and there are no bad records and serious negative information on the credit report.

Secondly, the age of the purchased second-hand house (referring to the completion period of the property) shall not exceed 20 years, and the longest loan/credit period shall not exceed 30 years. Specifically, it is subject to the regulations of China Merchants Bank and other handling banks, and it is also stipulated that the loan period plus the age of the mortgaged property should not exceed 40 years in principle.

Also, the property right of the house should be clear, and there is no mortgage, lease, capital contribution, etc. And it is not within the scope of the announcement and meets the conditions for entering the real estate market.

And if the customer is handling provident fund loans, it is necessary to ensure that the provident fund has been paid in full and on time for six months; And those who have never applied for provident fund loans or have no outstanding provident fund loans under their names.