You can be a bank. If you get an 80% loan, the interest rate is 30%.

Second, can second-hand houses be mortgaged?

Legal analysis: the second-hand house can be mortgaged, and the second-hand house with the age of 15 can be mortgaged, and the excess depends on the specific housing. Usually, the loan ratio of commercial banks is as follows:/kloc-70% for loans within 0/0 years, and 50-60% for loans within 0/0-15 years.

Legal basis: Article 11 of the Interim Measures for Personal Loans in People's Republic of China (PRC) shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Can I buy a second-hand house in Fuzhou with a mortgage loan?

Yes, all major banks carry out this kind of business. I suggest you go to the local bank for business consultation. For details of mortgage loan, please refer to the following: loan conditions 1, urban permanent residence or valid residence status; 2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3. There is a purchase contract or agreement; 4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase; 5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint liability; 6. Other conditions stipulated by the lending bank. Loan amount, term and interest rate The maximum amount of second-hand housing mortgage loan usually does not exceed 50% of the purchased house price or the appraised price. The loan term shall not exceed 15 years minus the service life of the house, and the longest term shall not exceed 20 years minus the service life of the house. The loan interest rate is the individual housing loan interest rate stipulated by the People's Bank of China. Application procedure 1. The borrower submits a written loan application and provides the following information: (1) the house transaction contract signed by the buyer and the seller and signed by the competent department; (2) the property right certificate of the house purchased and the document that someone agrees to sell the house; (3) the borrower's family property certificate and income certificate (including personal income certificate, tax payment certificate, bank deposit certificate, real estate license, securities, etc.). Issued by the work unit); (4) The borrower's legal and valid identity certificate (referring to the resident identity card, household registration book or other valid residence certificate) and proof of marital status; (5) The document that the borrower and the * * * people agree to mortgage the purchased house. 2. The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank. 3. After investigation and approval by the lending bank, the borrower and the lending bank sign a loan contract and a transfer deduction authorization. 4 for housing transfer, insurance, notarization, mortgage registration and other procedures. 5. Proof of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage. 6. Transfer loans. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.