There are certain requirements for loans through real estate agencies or banks, and not all of them can be applied.
(1) The following housing types can apply for second-hand housing loans: commercial housing, affordable housing, housing reform housing, and listed housing.
(2) For the completed property, there are no signs and debts.
(3) Completion time of the house and loan amount: 80% of the highest loanable appraisal price of the house; 70% assessed from 2000 to 2003; 60% of the highest loanable appraisal price of commercial housing from 1993 to 1999; On this basis, the cost price of selling houses is reduced by10% respectively; 50% of the highest loanable appraisal price of office buildings, shops and apartments. (The specific loanable amount varies from bank to bank)
(4) The borrower must use the purchased second-hand house as collateral for the house purchase loan issued by the borrower who purchased the second-hand house.
Second, how to loan Xiaoping's second-hand house?
You can get a loan if you meet the conditions. Is it a mortgage or a mortgage?
Mortgage loan/securities loan
Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).
Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;
Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.