The reason why second-hand houses are not given loans may be because the property rights certificates of their houses are not complete enough. Some second-hand houses do not have the corresponding property rights certificates because they are relocation houses, resettlement houses or small-property houses without property rights. , so you are not eligible for a loan. In addition, if the house has been sealed or is within the scope of old city reconstruction, the bank will not approve the loan, so the loan application cannot be completed. There are also some second-hand houses. Because the age of the house exceeds the limit and the area does not meet the regulations, it is no longer within the scope of the loan application.

When applying for a mortgage loan for a second-hand house, you need to have the property ownership certificate of the house, which is what we call the big red book. Moreover, the age of the second-hand house cannot exceed 30 years. Most banks have strict requirements on the age of the house. The requirement is within 20 years. There will be different requirements based on the location of the house and the structure of the house itself. If the area of ????the house is too small or the price of the house after appraisal is less than 100,000 yuan, the loan application will not be approved. .

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