With the gradual rise of the second-hand housing market, more and more people want to buy second-hand housing, so banks all over the country have gradually stopped lending to second-hand housing. Which cities have stopped lending to second-hand houses? Today, Bian Xiao will answer for you, and friends who want it may wish to have a look with Bian Xiao!

First, what are the cities where second-hand housing loans are stopped?

At present, the cities that stop second-hand housing loans are: Hefei and Linyi, Shandong. Recently, it seems that Chongqing, Wuhan, Tianjin, Xi, Dongguan, Suzhou, Zhengzhou, Xiamen and Chongqing have also reported that second-hand houses have stopped lending.

Second, which second-hand houses can't be loaned?

1, small property right house

This type of house is much cheaper than ordinary commercial housing, so without the concept of land transfer fee, ordinary urban residents will buy more. However, there is no real estate license to buy a small property right house, and the small property right house is not recognized by the state. Therefore, banks do not support loans to buy small property houses.

2, the law of the room.

The house actually sold after the auction, unlike ordinary commercial housing and second-hand housing, can directly apply for a mortgage from the bank, so it can only be bought in full. Houses that usually participate in bidding for houses are not protected by law. Once there is any problem, you should bear it yourself and solve it yourself.

3. Mortgaged house

Once the house is mortgaged, the property right of the house does not completely belong to the owner, which is prone to real estate disputes. Therefore, if you encounter a mortgaged house when buying a house, you'd better not buy it.

4, less than 5 years of affordable housing.

According to the relevant regulations of our country, affordable housing under five years is not allowed to be listed and traded, so it is naturally impossible to handle loan business. Therefore, when buying a house, we must pay attention to the fact that houses under five years will be refused loans by banks.

Bian Xiao concluded: These are the cities where second-hand houses have stopped lending, and which second-hand houses cannot be loaned. I believe that everyone will have a corresponding understanding after reading the above sharing. If you need more information, please continue to pay attention to Qijia. Com website, Bian Xiao will answer them for you.