1, related to the age of the house: the average age of the house is less than 30 years, and the calculation of the longest loan period: the loan period+the age of the house is less than 50 (different banks);

2. The age of the borrower is related: the maximum age is 65 years old;

3. The longest loan period shall not exceed 30 years (the longest loan period for commercial houses is 10 year).

Second, the second-hand housing mortgage loan process:

Determine the mortgage bank;

Sign a house sales contract;

Review the loan qualification;

Sign a loan agreement;

Mortgage procedure;

Handle real estate license and mortgage certificate;

Bank loan.

Three, second-hand housing mortgage loan application materials:

Legal and valid identity documents of the borrower;

Proof of income or occupation of the borrower;

The account book of the borrower;

Borrowers with spouses need to provide proof of marital relationship;

If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility;

Certificate of property right of purchased second-hand house;

The house sales contract signed with the seller and the transfer account provided by the seller;

If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;

Property right of the house purchased * * * A written authorization document that someone agrees to sell the house;

Other documents or materials required by the lender.