If there is a loan in the bank before, you can borrow again to buy a house, provided that the previous loan is repaid on time. There are many kinds of mortgage loans, taking the most common mortgage loans as an example.

Mortgage to buy a house's handling conditions:

(1) Borrower's requirements

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

(2) Information to be provided:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The original purchase agreement;

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number is 1 copy.