Yes, but the down payment is higher, and the seller must agree (if a one-time payment is required, the loan cannot be made), because the loan must be coordinated. If you are looking for an intermediary, be sure to ask if there are any other fees for the intermediary fee. If he says he must write a song without a written guarantee, you should also ask them to write a written guarantee to ensure that they will be fully responsible for the procedures and loans he promised within the time they said.

Installment payment has become the most common practice in second-hand housing transactions. That is, after signing the contract, the buyer pays a certain proportion of the down payment to the seller, and then pays the final payment after the transfer.

The final payment of the second-hand housing commercial loan process depends on whether the buyer adopts "full payment" or "loan". After the transfer, the buyer pays the seller directly in cash or by transfer. If you need a loan, you need to apply for a commercial loan, provident fund loan or portfolio loan after signing the house sales contract. After the transfer is completed, the bank will transfer the money to the seller's account with the deed tax invoice or the house ownership certificate.

Can I get a loan for buying a second-hand house?

With the rising house prices, many people like to buy second-hand houses. Although the second-hand house is not as new as the new house, the price is much cheaper. But many people have doubts, that is, they don't know if second-hand houses can be loaned. So let's get to know it together!

Can I get a loan for buying a second-hand house?

According to the relevant policies and regulations, buying a second-hand house can be loaned, but it must meet the conditions. Each bank requires different conditions. Generally, it should be a person with full capacity for civil conduct, aged between 18 and 65 years old, with legal and valid identification and proof of marital status, good credit record and repayment willingness, stable income and the ability to repay the principal and interest of the loan on time, and the ability to pay the down payment of the purchased house, and the lender.

What information do you need for second-hand housing loans?

1. A valid house transaction contract signed by the buyer and the seller.

2. Property ownership certificate and property right * * * Someone agrees to transfer the title.

3 proof of the lender's property and income.

4. The lender's legal and valid identity certificate and marital status certificate.

5. The document that the lender and its house * * * agree to use the purchased house as collateral.

Matters needing attention in second-hand housing mortgage loan

1.

After choosing a house, buyers should examine the property owner, not only the quality of the house, but also the property status and the identity of the property owner.

2. Pay attention to the age of second-hand houses.

Pay attention to the age of second-hand houses, because many banks are very strict in applying for loans for second-hand houses that are too old. If the house you buy is too old, it is likely to be rejected by the bank. Some banks require that the accumulated time of second-hand housing loans should not exceed 30 years, while others stipulate that it should not exceed 15 years. Therefore, buying a second-hand house must consider the age issue, so as not to affect the loan.

3. Choose the loan type that suits you.

Loan types are divided into provident fund loans and commercial loans. If the use of provident fund loans is not enough, you can choose to use a combination of provident fund and commercial loans.

Bian Xiao concluded: The above is about buying second-hand houses. I hope it will help everyone.

Can I get a loan for buying a second-hand house?

Many people can't pay the full amount at one time when buying a house, so they will choose to apply for a housing loan from the bank. Can I apply for a loan if I want to buy a second-hand house? Next, Bian Xiao will briefly introduce you to the loan to buy a second-hand house.

1. As long as it meets the loan conditions of the bank, everyone can apply for a loan from the bank to buy a second-hand house. We can take the purchase contract, proof of family income, written proof of agreeing to mortgage and other materials to the bank to fill in the application for second-hand housing loan, and then go to the appraisal company designated by the bank to evaluate the second-hand housing. If the bank approves, the bank will give us a mortgage loan.

2. Whether the second-hand house can be loaned depends on the age of the second-hand house. If you apply for a provident fund loan, the age of the second-hand house plus the loan period cannot be greater than 40 years. Therefore, we can't apply for provident fund loans if the second-hand house we bought is over 40 years old.

3. If you apply for commercial loans, major banks have restrictions on the age of second-hand houses. Under normal circumstances, it is difficult to apply for a loan when the second-hand house is over 30 years old. Many banks stop lending to old second-hand houses, because the older the house, the greater the risk of the house. Some banks therefore do not make second-hand housing loans.

If the second-hand real estate license we bought is incomplete, we can't apply for bank loan. For example, small property houses, enterprise workshops, resettlement houses and so on. Because land like small property houses usually belongs to allocation, which is collective land. According to the relevant regulations of the state, small property houses cannot be filed in the housing management office, and generally there is no real estate license.

Bian Xiao concluded: Can I get a loan for buying a second-hand house? Bian Xiao introduced it here. To buy a second-hand housing loan, you need to know the relevant loan policies of the bank. Under normal circumstances, you can apply for second-hand housing loans as long as you meet the conditions of bank loans.

Do you need a loan to buy a second-hand house Let's stop here.