Old houses can also be mortgaged. As long as there is a certain value space, it can naturally be mortgaged to obtain certain loan funds. But if the house is too old, the value of the house will be greatly reduced, and it is naturally not easy to get a loan from the bank. Especially old houses over 30 years old, many banks will refuse. Even if the loan is approved, it is estimated that the approved amount will not be too high (the loan amount will generally be lower than 80% of the value of the collateral, depending on the approval result.

So old houses can also be loaned.

Second, I paid a down payment for buying a house and signed a contract, but what if the bank doesn't lend?

When the bank loan can't be processed, you can ask to return the house, but you should investigate the responsibility of the buyer and the seller according to the specific reasons. If the loan cannot be made due to the developer's reasons, the developer may be required to refund the down payment and deposit, and pay the corresponding interest loss. If the bank refuses to approve the loan due to the buyer's reasons, it can also return the house, but the buyer should bear the responsibility for breach of contract and compensate the developer for the corresponding liquidated damages. You can discuss it with the developer.

3. What if the first suite fails to get a loan from the bank after paying the down payment?

This situation is very common for many reasons, such as bad credit records, income account books, and inconsistent marriage certificate information. , may lead to what you said. There are usually two ways to solve the problem: one is to solve the problem according to the cause of the problem, modify the inconsistent information, and raise the income to a higher level. If this doesn't work, change banks. Second, one-time payment. No loans. Third, in the case that none of the above is feasible, negotiate with the sales manager to find a way to buy your house to another customer and help you make a down payment from the money sold.

Excuse me, why can't my old house be mortgaged in the bank, but the guarantee company can? ...

There should be no real estate license in the old house. Mortgage in the bank requires real estate license mortgage.