1. How to get a loan for buying a second-hand house with a house age of more than 30 years?
Generally speaking, the requirement for room age is no more than 20 years, but different branches have different regulations. For example, Jiangxi branch can handle personal second-hand housing loans normally, regardless of the age of the house, that is, the age of the house is more than 20 years.
1, loan term
The longest term is 30 years, which cannot exceed the remaining land use rights of the property, and the sum of the borrower's age and the loan term cannot exceed 70 years.
2. Loan amount
The maximum loan is 70% of the market value of the house purchased, that is, the minimum down payment is 30%.
Second, how to apply for a mortgage for a property with a room age of more than 30 years under the name of an individual?
1. The room age shall not exceed 20 years in principle. For buildings with particularly high building quality and regional location, the age limit can be relaxed appropriately, but the proportion of loans provided will be reduced accordingly. The maximum loan amount for a 30-year-old house is 60% of the value of the mortgaged property. As for whether or not to borrow, how to borrow depends on the evaluation of local banks.
2. Even if there is a loan, the loan term shall not exceed 20 years at the longest. If the loan is not used for house purchase, the longest loan term is 10 year.
After all, from the aspects of depreciation, wear and tear, residual property rights, etc., the mortgage value of houses over 30 years old is much lower than that of new houses. If you want to continue to apply for a loan, you can only rely on the specific regulations of the local bank.
The above is about "how to borrow a house for more than 30 years". I hope I can help you.