The percentage of second-hand housing loans that can be loaned should correspond to its evaluation value. Commercial loans for second-hand housing are related to the actual transaction price, construction period and personal income. It is 70% of the loan evaluation price. If the house has not been built for a long time, it is about 60% of the actual transaction price of the loan. If the transaction price is 500 thousand, you can borrow about 300 thousand (excluding additional tax)