Loans are available for second-hand houses.

However, generally speaking, second-hand housing mortgage loans have the following restrictions:

Property title certificate: a commercial house that has obtained a real estate certificate, or a commercial house that can immediately obtain a real estate certificate and move in ;

Housing age: ordinary housing not exceeding 20 years and other properties not exceeding 15 years;

Loan percentage: up to 80% for ordinary housing and 60% for other properties ;

Loan term: The sum of the used years of the property and the loan period for ordinary housing shall not exceed 30 years, and the sum of the used years and the loan period of other properties shall not exceed 20 years (and the loan The maximum term shall not exceed 10 years); the sum of the loan term and the actual age of the borrower shall not exceed 65 years.

Interest rate choices vary from person to person: People with stable income and high monthly income can consider choosing a fixed interest rate, because they will not be affected by interest rate increases in the future. However, if you are a class with a stable job but low income, such as teachers, university professors, civil servants, etc., it is recommended to choose floating interest rate, because they are high-quality customers among bank loan customers and can enjoy preferential interest rates, so floating interest rates are more favorable.

Proof of income and repayment ability: Banks will require borrowers to provide proof of income when approving loans. If the applicant is married and one person's income certificate is lower than his monthly payment, both spouses can apply for a loan by issuing income certificates at the same time. After meeting the conditions, the bank can also approve it. In addition, some other assets of the family, such as large deposits, bonds, real estate, etc., can also be used as proof of income, and banks will generally make reference.

Special reminder that there are some second-hand houses that cannot be loaned, such as relocation houses, resettlement houses, public houses, corporate maternity houses, small property rights houses and other second-hand houses with incomplete property certificates. When choosing a house, everyone must pay attention to whether the house has a property ownership certificate.