You can borrow money to buy a second-hand house. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Therefore, as long as the relevant regulations are met, buying a second-hand house can be loaned. Generally speaking, the purchase of second-hand housing loans should meet the following conditions: 1, the borrower must have full capacity for civil conduct and the ability to repay the loan principal and interest; 2. The seller has the right to completely dispose of the transaction house according to law, and the transaction house has the property ownership certificate; 3. The age of the house purchased cannot exceed a certain number of years. 4. The seller and the borrower must sign a unified real estate transfer contract; 5. The borrower must pay the housing provident fund in full and on time for a certain period of time from the date when the employer establishes the housing provident fund account for him to the date when he applies for a loan; 6. The borrower provides corresponding loan guarantee, etc. Article 16 of the general rules for loans

Second, can I get a loan for buying a second-hand house?

Yes, you can. There are only a few conditions for the loan.

3. Is it a breach of contract to buy a second-hand house loan without passing it?

Whether buying a second-hand house loan is a breach of contract depends on the situation. First, if it is caused by changes in government policies, it is not the fault of both parties, then it is responsible. Second, however, if the loan cannot pass due to the buyer's own problems, it belongs to the buyer's breach of contract. Legal basis: Violating the Civil Law of People's Republic of China (PRC), harming the other party's personal rights and interests, and choosing to ask him to bear the liability for breach of contract or tort.

Fourth, how to buy a second-hand house with a low down payment?

1. How to buy a second-hand house to achieve a low down payment? Every second-hand house has an evaluation price, which directly affects how much money you can borrow from the bank. The evaluation price of each district and lot is generally calculated according to the average price of this district.

2. It's too empty, for example. The landlord plans to sell a second-hand house with an area of 1000 square meters and the market evaluation price of 10000 square meters. The appraised price of the house is 6,543,800 yuan. The bank removes the down payment of 30%, and the bank can lend you 700 thousand for this house.

3. Here comes the problem. How much did the landlord sell you? If the landlord sells you more than 654.38+0 million, don't even think about it, don't buy it. Because 1 10,000 is the standard for new houses, and the price is higher than 1 10,000, it is better to buy new houses directly.

If the landlord sells you 700,000 yuan, then 700,000 yuan can get a loan from the bank without paying the down payment. If the landlord sells you 800,000 yuan, you only need to pay a down payment of 6,543,800 yuan. This is the algorithm of low down payment for second-hand houses.