As far as I know, whether you can get a loan from a bank mainly depends on your personal assets and personal income to prove your repayment ability. No matter the size of the apartment.

Specifically, you can consult the customer service phone number of the relevant bank; You can also go directly to the business hall of the relevant local bank for consultation.

Which bank can mortgage a loan if the house is less than 50 square meters?

In principle, it is impossible for a bank to apply for a mortgage for a house with a building area of less than 50 square meters, because banks have requirements in applying for a mortgage loan. The building area cannot be less than 80 square meters, but some financial companies can do it.

If you buy a small-sized house, it is recommended to consult the developer's specific treatment before buying, so as not to affect your own economy. The above is about how to get loans for houses below 50 square meters, and what are the mortgage conditions for real estate. When buying and selling houses, we must pay attention to the specific handling methods of loans and procedures.

Is there no exposure to the mortgage?

Yes In recent years, China's mortgage market has actually been pursuing the principle of "openness and support". "Openness" is manifested in many aspects. In commercial housing with loans, existing houses can be loaned, and faster houses can also be loaned; Small huxing can be loaned, and large huxing can also be loaned; Affordable housing can be loaned, and high-priced housing can also be loaned; First-hand housing can be loaned, and second-hand housing can also be loaned; As far as price dynamics are concerned, loans can be made when prices are stable (that is, from the opening to the end of sales), and loans can also be made when prices keep rising; Individual first suite can be loaned, and second suite can also be loaned; Local residents can borrow it, and foreigners can borrow it.

Can a small property right house be loaned?

In life, many people will choose to buy small property houses, because the price of small property houses is relatively low, but most people need loans to buy them, so can small property houses be loaned? Let's take a look!

Can a small property right house be loaned?

You can't borrow money, because there is no real estate license for small property houses, and bank mortgage loans need real estate licenses. Without the real estate license, the bank will not accept it. No real estate license means no property right, only the seller's sales contract is not registered in the Housing Authority. Therefore, once this kind of real estate has a policy plan, the value of the house will change greatly, so banks will not lend money to small property houses.

Matters needing attention in purchasing small property right houses

1. See if the developer is legal.

The main body of the implementation of the development of villages in cities is the villagers, the development enterprises entrusted by village committees and the economic entities legally established by rural collective organizations with legal person qualifications and real estate development qualifications, but the main body must have legal land development qualifications.

2. See if the state-owned land use certificate has been obtained.

According to the relevant regulations, the land for the development of villages in the city needs to be expropriated as state-owned land by the relevant local departments to change the nature of the land, and then handed over to the land users in the form of "bidding, auction and hanging", and there is a legal state-owned land use certificate from the local land and real estate bureau.

3. See if it conforms to the urban planning.

The reconstruction of villages in cities should also conform to the urban planning. Only the projects that generally conform to the urban planning can the buyers' right to use their houses be protected to some extent.

4. See if there is a commercial housing sales (pre-sale) license.

Any real estate project must be audited by the real estate bureau before renovation, and can only be sold after being audited by the real estate bureau and obtaining the Commercial Housing Sales (Pre-sale) Permit. The village-in-city project should also have a commercial housing sales (pre-sale) license, which is an important symbol that the village-in-city reconstruction project is allowed to sell to the society.

Bian Xiao concluded: The above is about whether small property houses can be loaned and the matters needing attention in selling small property houses. I hope it will help everyone.