1. Can a house built in Longgang in 1986 be mortgaged? Which bank can do it?

Mortgage is available, and most banks can provide mortgage loans.

The basic process of mortgage loans is as follows:

On-site viewing:

Loan officers, intermediaries, appraisers, buyers and sellers go to the house where you are applying for a mortgage loan On-site inspection of the house;

Property rights verification;

The property owner and the person with the most legal authority (seller) bring the original ID card and the original real estate certificate to the housing management bureau to submit their identity for verification Please verify the original certificate and the original house copy, and go through relevant procedures;

Sign the contract:

The bank carefully checks and verifies the original information of the customer, and identifies the authenticity of all signatories. Supervise the customer's signature, collect the original real estate certificate and deposit (the specific amount is determined by the buyer and seller), copy the information, and remind both parties to open an account with the bank;

Fill in the contract:

The bank organizes the information Fill out the contract based on the relevant information provided by the customer;

Payment obligation:

After passing the pre-examination of charging fees, the bank will notify the customer to pay;

Transfer of property rights:< /p>

The buyer and seller go through the property transfer procedures with the help of the Housing Authority; the lender prepares relevant materials and goes to the bank to handle the mortgage procedures;

The bank lends money.

2. Can I get a loan for a house built in 1986?

Basically, banks can do it.

But it cannot be for more than 8 years

Because your property is now 22 years old

General bank mortgage loan regulations.

"The loan period and the age of the building cannot exceed 30 years"

So your house can still be mortgaged

3. Can a house that is 86 years old be mortgaged?

Mortgage loans are not allowed

Banks have time limits on housing mortgage loans. Generally, the maximum loan is 70% for houses less than 20 years old and 70% for houses between 21-30 years old. The maximum loan amount shall not exceed 50%, and no loans will be issued if the property is over 30 years old.

According to this year’s bank policy adjustments, all banks have compressed their loan policies. Generally, loans will not be issued if the property is over 25 years old. Similar to 1986, banks will not approve whether a house is sold or mortgaged.

4. Can I still get a mortgage if I have a mortgage on a house that was built in 1986?

I will answer you very responsibly, no. Bank of China does not accept second mortgages. If you advance money to redeem the deed and then mortgage, the bank may also mortgage your property