Not all houses can apply for mortgage loans. Banks have certain requirements for mortgaged houses, not only requiring clear property rights, but also requiring the age and area of houses. The average age of the house is more than 20 years, and the housing area is more than 50 square meters. In addition, the house should have strong mobility, which is the location of the house.
special case
Recently, Mr. Chen took a fancy to a second-hand house of an intermediary company, which is relatively old and dated back to the 1980s. When signing the contract for the sale of second-hand houses, he did not know the influence of the age of the house on the loan amount, so the contract did not restrict the loan. At that time, the intermediary and the salesman of the bank said that there was no problem, but three weeks later, the bank gave the answer that the house was too old to approve the loan.
"The bank also specially emphasized that my credit information and income are very good, but my house age is too long. The current situation is that the bank loan can't be approved, and the down payment can't be paid; According to the terms of the contract, if I don't pay the down payment within the time stipulated in the contract, it is a breach of contract. But when I signed the contract, I didn't agree on the terms of the loan. I really don't know what to do now. " Mr. Chen said distressfully.
Expert analysis
In the eyes of most property buyers, the older old houses have advantages in both price and geographical location, and they are many people's favorite transitional properties, and they also have the expectation of demolition. However, it will face the embarrassing situation of difficult loans.
In the past, banks usually accepted loan applications for properties with a room age of more than 20 years, but the loan ratio would be reduced. However, with the frequent implementation of the 20 10 regulation policy, the conditions for banks to review housing loans are more stringent. There are many restrictions on room age and personal credit qualification.
When approving housing loans, banks will not only examine the borrower's conditions, but also examine the housing purchased by the borrower. After all, the house purchased by the borrower is mortgaged to the bank as collateral. If the value of the house is too low, once the borrower fails to pay off the loan, the bank will not be able to recover the cost, resulting in bad debts. For second-hand housing, the bank mainly examines the age of the house, that is, the age of the house. Generally speaking, banks only give loans to borrowers who buy houses within 20 years, and a few banks will relax this restriction to 25 years, but this requires that the quality and geographical location of the house are very good. The older the house, the less loans it will get.
China's commercial housing market has matured in recent ten years, but houses over 20 years old have unreasonable room types, backward functions and no parking lot, which do not meet the living needs of modern people. In addition, old houses are prone to disputes in terms of ownership. Once the lender can't repay the loan normally, it is difficult for the bank to handle it.
Banks have strict requirements on loans for old houses, and relatively new second-hand houses are a hot potato for major banks. For example, ICBC's policy is that the age of second-hand houses that can be loaned should not exceed 20 years in principle, while second-hand houses with an age of less than 5 years do not even need to be evaluated. The policy of the Agricultural Bank of China is that the loan amount for second-hand houses in 10-20 years should not exceed 60%, and the loan amount for houses over 20 years should not exceed 50%.
It is worth noting that some intermediaries will deliberately conceal the real down payment before signing the contract. Experts remind that second-hand housing buyers should pay attention to whether there are exemption clauses such as "the bank does not approve the loan and the purchase contract is automatically terminated". In addition, under normal circumstances, buyers understand the age of the house mainly by looking at the age of the house on the real estate license. However, there is no age on the property certificate of the housing reform house. If the buyer wants to inquire, the seller needs to bring the real estate license and land certificate to the archives room of the real estate center. When signing the contract, attach a written clause about the age of the house to prevent the seller from making false oral introduction.
(The above answers were published on 20 17-03-09. Please refer to the actual situation for the current purchase policy. )
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