It is not possible to apply for a loan without completing the house ownership certificate.

1. You can borrow money for second-hand houses

Generally when applying for bank loans, second-hand houses are required to have a real estate certificate, commonly known as the big red book; the age of second-hand houses should not exceed 30 years. Many banks It is stipulated that it should not exceed 20 years. A small number of banks require that the age of the house be within 15 years. The age of the house generally has different regulations according to the location of the house and the structure of the house; the building area of ??the house must be more than 55 square meters, and the building area shall be based on bank regulations. It will vary depending on the location of the house. For example, if you are buying a house in a school district, the area requirements will not be particularly strict. In short, the area of ??a second-hand house cannot be too small.

2. Second-hand houses that cannot be loaned

First of all, second-hand houses with incomplete property certificates cannot be loaned, such as relocation houses, resettlement houses, public houses, enterprise maternity houses, small houses, etc. Loans are not available for properties with property rights.

Secondly, banks cannot lend money to properties that violate property mortgage regulations (have records that cannot be transferred, are sealed, are within the scope of old city reconstruction, have small property rights, etc.).

Also, those who violate bank regulations (such as the age of the house exceeds the limit, the area does not meet the regulations, etc.) cannot get a loan.