1, whether the house can be loaned depends on whether the house can be listed and traded normally, the nature of the house, the age of the house and so on. Usually, the bank will require the mortgaged house to be a house with clear property rights and normal listing and trading, without any mortgage, not included in the local urban demolition regulations, and with real estate license and land certificate.
2. For example, a house with outstanding loan cannot apply for a loan, because the other warrants of this house are in the hands of the bank, and the borrower does not have complete property rights. Affordable housing for less than 5 years does not meet the conditions for listing and trading, so it is impossible to apply for bank loans. Small property houses cannot apply for bank loans, because there is no real estate license and they are not protected by law, so they cannot be listed and traded normally.
3. Secondly, banks have requirements on the age of mortgaged houses. Under normal circumstances, banks will require that the age of the house should not exceed 20 or 25 years, and individual banks require that the age of the house should not exceed 30 years; Some banks will be stricter, requiring that the age of the house should not exceed 15 years. Please consult the relevant staff of the loan bank for details.
4. Houses that are residential, commercial and residential, villas and office buildings can be mortgaged by banks. Houses for public use, whether belonging to social groups or individuals, cannot be mortgaged; Buildings listed as cultural relics protection buildings or buildings with important commemorative significance cannot be mortgaged; Like an illegal building, it can't be mortgaged.
Bian Xiao: Bian Xiao will briefly introduce you to what kind of house can be loaned. I hope that after reading this article, everyone can understand this. Different banks have different housing loan requirements. Please consult the relevant lending bank for details.