The bank's conditions for second-hand housing mortgage loans are harsh, mostly limited to the age and area of the house. Generally, many banks refuse to lend second-hand houses with a house age of more than 20 years and a building area of less than 50 square meters.
The older you are, the less successful you are in applying for loans, and the less loans you can apply for; Over the prescribed period, even can not apply for mortgage loans, property buyers can only buy a house in full. You can ask the loan bank for the specific loan amount.
Extended data:
Ten kinds of houses that cannot be mortgaged:
1, public housing
According to relevant regulations, schools, kindergartens, hospitals and other public facilities, whether belonging to institutions, social organizations or individuals, are not allowed to mortgage.
2. Small property houses
Small property houses only have the right to use, and there is no ownership given by the real estate license. Banks naturally do not accept mortgage loans.
3. Houses with outstanding loans
Can a house that has been mortgaged once be mortgaged again? At the time of the first mortgage, the bank already had other rights to the property. The law does not allow two banks to obtain other rights of the same house. So the answer is no.
4. Second-hand houses that are too old and too small.
The bank's conditions for second-hand housing mortgage loans are harsh, mostly limited to the age and area of the house. Generally, many banks refuse to lend second-hand houses with a house age of more than 20 years and a building area of less than 50 square meters.
5, less than 5 years of affordable housing
If it is less than five years, it is not allowed to go public, and the bank can't get his right certificate and can't apply for a mortgage loan.
6. Some hotels
If you can't provide the purchase contract or purchase agreement, or you can't provide the listing certificate of the center delivery room, you can't make a mortgage loan.
7, cultural relics protection building
Buildings listed in cultural relics protection and other buildings with important commemorative significance shall not be mortgaged.
8. Illegal construction
Illegal buildings or temporary buildings cannot be used for mortgage.
9. Houses with disputed ownership
Houses with disputed ownership and houses sealed up, detained, supervised or otherwise restricted according to law shall not be mortgaged.
10. Houses within the scope of demolition
Real estate that has been announced in accordance with the law and included in the scope of demolition shall not be mortgaged.
People's Daily Online-It is very common for a limited intermediary with a house age of more than 20 years to conceal the house age.
Baidu encyclopedia-second-hand house mortgage loan