Mr. Wan, who was looking at the house recently, took a fancy to a house in Xicheng District, Beijing. In his view, its listing price, regional location, residential environment and surrounding facilities are all suitable, but according to the real estate agent, this house was built in 1992, which is 29 years old. Due to the lack of his own funds, Mr. Wan intends to pay the down payment first and then borrow money to buy a house. Can this house with a room age of nearly 30 years still be loaned? ?
Answer:
For buyers, if the house is too old, it may affect the loan application. Moreover, provident fund loans and commercial loans have different requirements for housing age.
Specifically, Beijing chain professionals pointed out that the requirement of housing age for provident fund loans is related to the housing structure. If it is a brick-concrete house, the loan period is "47- room age"; If it is a steel-concrete structure house, the loan period is "57 years old", but the longest loan period cannot exceed 25 years.
The requirements for commercial loans will be relatively relaxed. The average bank can accept the age of the house within 40 years (that is, it was built after 865,438+0 years). However, from the perspective of loan time, the longest loan period usually cannot exceed 25 years.
From this point of view, the house that Mr. Wan likes is currently 29 years old. Mr. Wan wants to apply for a provident fund loan. According to the housing structure, the longest loan period of this house is 18 (brick-concrete structure) or 25 years (steel-concrete structure, the longest loan period is no more than 25 years). If Mr. Wan wants to apply for a commercial loan, the longest loan period for this house is 25 years.
In addition, it is worth noting that apart from being informed by brokers or sellers, are there other more authoritative ways to confirm the age of the house? Beijing chain professionals said that objectively speaking, there are three ways to accurately judge the age of the house: one is to judge according to the completion date of the mapping page of the immovable property certificate (house book); Secondly, if the completion date is not marked on the house book, according to the evaluation results of professional institutions, the evaluation company will usually confirm the real completion date according to historical data and actual investigation; Third, go to the real estate registration department to check the files and calculate the age of the house according to the year when the files were established.