Where does it come from?

Second, how to borrow a house with a room age of more than 20 years?

First, the housing loan procedures for more than 20 years are as follows:

1. Need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;

3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;

4. After the approval of the bank, notify the approval result and sign the loan contract;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. The bank will directly transfer the loan to the account agreed in the contract;

7. Please repay the principal and interest according to the loan contract.

Second, the housing age.

1, the age of the house, counting from the date of completion, acceptance and delivery of the house.

2. The service life of the house: specifically, the service life of the land under the house. Here is one thing that is very important. That is, in our country, land is state-owned, and we only have the right to use it, but not the property right. But the houses on the land are personal, and the state sells the land to developers to develop and build houses. In the past, the service life of the house was 50 years, but now it is adjusted to 70 years.

3. If the service life of the land under this house reaches 70 years given by the state, there will be two situations:

1. The state repossesses the land and sells it again. But the house on the land, the state will give some compensation.

Continue to use this land, but pay the premium. According to the land price at that time. It can be used for 70 years after repair.

Third, how to borrow a house with a room age of more than 20 years?

It is worth noting that banks will basically not lend to commercial houses with a room age of more than 20 years or second-hand houses with a room size of less than 50 square meters.

Basic conditions of mortgage lender with real estate license:

1,/kloc-a natural person who is over 0/8 years old and has full capacity for civil conduct, and the actual age at the maturity of the loan is no more than 65 years old.

2. Have a stable job and income, good personal credit and repayment ability.

3. Be able to submit personal identification certificate, household registration book, marriage certificate, real estate license and mortgage property evaluation report, loan use certificate and other information stipulated by the bank.

4. The house has clear property rights, complete documents and good liquidity.

5. Real estate * * * Someone recognizes the borrower's loan and guarantee behavior and is willing to bear relevant legal responsibilities.

The expanded data has little appreciation potential.

Generally, older houses in property hoarding are located in good lots, and there are mature supporting facilities around the houses. The owners have greater confidence in the appreciation of such houses and refuse to sell them easily.

However, if there is no new planning and plan, the longer the house age, the smaller the room for house appreciation; In particular, the environment does not change, can not keep up with the needs of modern people, in addition to the advantages of lots, nothing else!

High maintenance cost

Generally speaking, everyone likes new houses, and it takes shorter time to buy second-hand houses. If the room age is too long, the service life can be shortened; There are many places that need maintenance, such as aging furniture/pipes and old decoration. So thorough maintenance and replacement will cost a lot of money.