Yes, but the loan amount is different from that of a new house. The loan ratio of second-hand housing is based on the evaluation value (or tax return price) of second-hand housing, and then according to the buyer's specific house (determine the down payment ratio).
For example:
A three-bedroom old house in the 1980s, with a market price of 654.38+0 million. A buyer and the owner agree that the price is 6,543.8+0,000 yuan, and the appraisal value given by the appraisal agency of this second-hand house is 800,000 yuan, so the house can take 80% of the 800,000 appraisal value at most (depending on local policies in some areas), that is, the maximum loan is 640,000 yuan.
The second-hand housing loan amount is generally up to 80% of the appraised price of the purchased house (there will be some differences in different regions), and the specific loan amount applied by individuals is related to their own conditions and mortgage policies when applying for loans.
The longest term of second-hand housing loans is not more than 30 years, and the longest loan period is not more than 30 years. The applicant's age loan period is generally not more than 65 years old.
Second, can the old house be loaned?
Old houses can be loaned as long as they meet the mortgage loan conditions.
Housing requirements:
Housing property rights should be clear about market trading conditions, and you can enter the real estate market without any other mortgage;
Mortgage, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
Those who have a fixed residence in China, a fixed residence in a local town (or a valid certificate) and have full capacity for civil conduct may apply for a comprehensive personal consumption loan.
Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;
No illegal acts and bad credit records;
Being able to provide effective pledge guarantee of rights recognized by the bank or legal and effective real estate can be used as a third-party guarantee of collateral;
Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
Other conditions stipulated by the bank.
Personal loans to buy the first suite can be approved for up to 30 years, calculated according to the age of the lender's husband and wife. Generally, the maximum loan for a man is 65 weeks to 60 years old, and the minimum loan for both parties.
When buying a second-hand house with a loan, the sum of the age of the house and the loan period must be less than or equal to 40. The age of the house refers to the year when the house was built, which is generally indicated on the mapping map of the real estate license. In addition to meeting the above conditions, the borrower must be under 70 years of age and the longest loan period is 30 years. For example, after the loan is completed, the house is 23 years old, the longest loan period is 40-23 = 17, and the borrower is 65 years old, 70-65 = 5, which means that the borrower is only years old at most, and the year of house completion is 2007. Up to now, the age of the house is 2 years, 40-2 = 38, and the age of the borrower.
Third, can the elderly borrow money to buy a house?
At present, the elderly in China do not have the right to apply for loans, because the state stipulates that they can hardly borrow money to buy a house after retirement. In this case, the elderly can consider the following aspects of mortgage loans, such as putting some valuable items on themselves as collateral for loans, which is also a comparative method. Another solution is to make a loan through some guarantees, which is actually not difficult. The main reason is that guarantors are hard to find and need to go through many procedures. You can find some of your own acquaintances and friends, so you can get a loan with a guarantee. It is better to notarize the specific things. Under normal circumstances, when the bank loan fails, the parties concerned should take other ways to raise funds and fulfill their payment obligations in time. However, sometimes bank loans will be affected by the adjustment of financial policies, and the lending ratio will suddenly change or the lending caliber will be tightened, so it is difficult for the parties to fully foresee this risk. For a situation like this, Article 26 of the Interpretation of Experts on Several Issues Concerning the Application of the People's Republic of China (PRC) Contract Law (II) issued in April this year stipulates that "after the establishment of the contract, the objective situation has undergone major changes that could not be foreseen by the parties at the time of conclusion of the contract and were not caused by force majeure, and the continued performance of the contract may not achieve the purpose of the contract for one party, and the parties request the people's court to modify or terminate the contract, the people's court shall.
Fourth, can the old house be loaned?
Old houses can be loaned as long as they meet the mortgage loan conditions.
Housing requirements:
Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage;
Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
The Lender requires:
China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.
Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;
No illegal acts and bad credit records;
Being able to provide effective pledge guarantee of rights recognized by banks or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account; Other conditions stipulated by the bank.
Personal loans to buy the first suite can be approved for up to 30 years, calculated according to the age of the lender's husband and wife. Generally, the maximum loan for a man is 65 years old and the maximum loan for a woman is 60 years old, subject to the minimum loan period of both parties.
When buying a second-hand house with a loan, the sum of the age of the house and the loan period must be less than or equal to 40. The age of the house refers to the year when the house was built, which is generally indicated on the mapping map of the real estate license. In addition to meeting the above conditions, the borrower must be under 70 years of age and the longest loan period is 30 years. For example, the borrower is 65 years old and the house was built in 1986. Up to now, the house is 23 years old, and the longest loan period is 40-23 = 17. At the same time, the borrower is 65 years old, 70-65 = 5, which means that the borrower can only borrow for 5 years at most. For another example, the borrower is 26 years old and the year when the house was built is 2007. Up to now, the house age is 2 years, 40-2 = 38, and the borrower is 26 years old, 70-26 = 44. This borrower can keep it for 30 years.