1. How many second-hand houses can be borrowed is related to the actual transaction price of second-hand houses, the age of second-hand houses and personal income. A general loan can be 70% of the assessed price. If the second-hand house is not very old, it can generally be about 60% of the actual transaction price. If the transaction price is 500 thousand, it can be around 300 thousand

2. Moreover, how much the second-hand house can borrow is also limited by the loan period and personal income. The bank requires that the monthly repayment should not exceed 50% of the income. In other words, if your income certificate proves that your monthly income is 3,500 yuan, then the monthly repayment needs to be controlled within 1.750 yuan/month. And according to this standard, determine your loan term and loan amount.

If your second-hand house is not very old and your income is stable, you should be able to borrow normally according to the conditions you said. If you borrow 250,000 yuan to buy a house for 20 years, the monthly repayment will be about 1.750 yuan/month.