Generally speaking, a house cannot be loaned for more than 20 years. Generally, you won't lend money to banks for more than 20 years. Because the building structure and materials from the outside to the inside of the house are definitely aging, which will affect the quality of the house, so the bank may refuse the loan for the house with an over-age building.

What should I pay attention to when buying an old house?

1, don't buy small property rights or resettlement houses. Such houses grow slowly, are uncomfortable to live in and have unpredictable transactions.

2. If you don't buy an old family house, with the relocation of the unit and the construction of a new family house, the old family house will gradually fall into a situation where no one cares, and even if you buy it, you won't get a good living experience.

3. Don't buy a community with no underground or a serious shortage of parking spaces. When the car becomes the standard of every family, the old community with difficult parking will naturally not be able to sell the price.

4. Don't buy a community with poor property reputation. Property level is related to the comfort of living. If the word of mouth is poor, buyers are naturally reluctant to buy.

Advantages of buying an old house:

1, the price is relatively cheap.

Under normal market conditions, old houses should be cheaper than new ones. These reasons are well known. And if you meet a second-hand house owner who is eager to sell, you can also bargain with the owner and buy a house with very high cost performance.

2, with decoration

If you buy a new house, it will cost a lot of money to decorate it later, and the formaldehyde after decoration may also affect the health of the occupants. All the second-hand houses decorated by themselves have avoided such problems.

3. The transportation and living facilities are more perfect.

Most of the second-hand houses occupy the core position of the whole region, or the position with complete facilities. Eating, reading, shopping, watching movies, taking a bath, etc. It can be found almost at home, making life more comfortable.

How many years can't I get a loan?

There are certain conditions and standards for housing loans. How many years can't you repay the loan? PChouse, let's take a look.

Generally, a house cannot be loaned for more than 20 years. Second-hand housing should be controlled within 20-25 years. If the house is more than 25 years old, you can't get a loan. Even if loans can be provided for older houses, banks will reduce the loan base of lenders. Generally speaking, banks basically don't lend money to houses over 20 years old. Because the building structure and materials from the outside to the inside of the house are definitely aging, which will affect the quality of the house, so the bank may refuse the loan for the house with an over-age building.

However, in fact, in the second-hand housing transactions, many old houses also sell well. Such an old house is either in a particularly good location or has very advantageous supporting facilities, such as well-known schools. Therefore, whether the house you want to buy can be loaned or not, it is better to consult the bank directly, and the house evaluation has auditors. If one bank doesn't work, try other banks.

Can a 30-year house be mortgaged?

A 30-year-old house cannot be mortgaged.

After the house age reaches 30 years, banks will basically not grant loans, and buyers can only buy them in full.

According to the regulations, banks have the following restrictions on the term of second-hand housing loans: First, the sum of the service life of second-hand housing and the loan life cannot exceed 30 years.

Second, the age of second-hand houses cannot exceed 15 years.

Third, the nature of land is that the maturity date of the loan for land transfer cannot exceed the maturity period of land use, and the allocation location depends on the situation.

Fourth, the sum of the loan term and the borrower's age shall not exceed 65 years old. These four points must be met simultaneously.

Can't the old house be loaned?

Nowadays, many people choose to sell their old houses in order to buy new houses. But banks usually have regulations on the age of second-hand houses. Some sellers worry that because the old house is too old, the bank will not lend, resulting in buyers not buying it. So can I get a loan for the old house? Next, Bian Xiao will briefly introduce it to you.

1. Whether the old house can be loaned depends on whether the loan applicant and the house to be loaned meet the requirements of bank housing loan. Usually, banks will require old houses to have clear property rights and meet the listing and trading conditions stipulated by the state. For example, old houses should have real estate licenses, land certificates and other supporting documents; Old houses are not within the scope of local urban transformation and so on.

2. In addition, banks also have relevant requirements for the age of old houses. Now banks generally require that the age of second-hand houses should not exceed 20 or 25 years, and some banks stipulate that the age of second-hand houses should not exceed 15 years. Different banks have different regulations on the age of a house. You can consult the bank staff for details. In addition, the maturity date of housing loans cannot exceed the land use period.

3. Banks will also consider the location, unit price, area and other factors when approving housing loans. If the old house is remote, small in area and low in house price, the loan amount that can usually be approved is relatively low, and even the loan will be refused because the house has little room for appreciation and preservation.

4. Banks will also consider the lender's actual situation when approving housing loans. For example, the loan term and the age of the lender cannot exceed the statutory retirement age. The loan applicant has a stable and legal income and can repay the principal and interest on time; The loan applicant can pay the down payment and has good personal credit.

Bian Xiao concluded: Can't the old house be loaned? Here Bian Xiao will give you a brief introduction. I hope everyone can understand after reading this article that old houses can be loaned. We can consult the relevant staff about the conditions and requirements of buying a house in a bank.

I can't borrow money. Let's stop talking about old houses.