First, you can borrow a second-hand house.

Generally, when handling bank loans, second-hand houses are required to have real estate licenses, commonly known as big red books; The age of second-hand houses should not exceed 30 years, many banks stipulate that it should not exceed 20 years, and a few banks require that the age of houses should be within 15 years. The age of a general house will vary according to the location and structure of the house. The building area of the house is more than 55㎡. The building area will vary according to the regulations of the bank and the location of the house. For example, the requirements for the size of the school district are not particularly strict. In short, the area of second-hand houses should not be too small.

Second, second-hand houses that cannot apply for loans

First of all, second-hand houses with incomplete property certificates cannot be loaned, such as relocated houses, resettlement houses, public property houses, enterprise property houses and small property houses.

Secondly, banks that violate the property mortgage regulations (such as records that cannot be transferred, sealed up, old city reconstruction, small property houses, etc.). ) can't lend.

There are also violations of bank regulations (for example, the age of the house exceeds the limit and the area does not meet the requirements. ), can't loan.

Provident fund second-hand housing loan:

Second-hand housing loans use provident fund, the specific process is as follows:

1. The borrower consults in the housing provident fund center and gets the application form: the buyer and seller and their spouses (unmarried or divorced) pre-register in the city housing provident fund center, and get the provident fund loan application form in the name of the seller with the original real estate license, state-owned land use certificate, household registration book, ID card and marriage certificate.

Two. The Borrower submits the following loan information to the Municipal Provident Fund Center:

(1) provident fund loan application form;

(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;

(3) the evaluation report of the purchased house;

(4) The stock house sales contract signed by the buyer and the seller;

(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);

(6) ID card, household registration book and marriage certificate of both husband and wife (original and photocopy, single employee shall provide single certificate);