You can't apply for a mortgage if you are over 20 years old, and some areas may lower the requirements, but you can't be over 25 years old. The older the house, the greater the risk. Banks will conduct risk assessment before approving funds. When the risk value is too high, banks will not lend to users. Therefore, the age at which users apply for mortgages is also very important. When the age is too high, users will not be able to obtain loan funds.

The age of the house will not only affect the loan review results, but also affect the loan term. The older the house, the shorter the loan period. If you want to borrow it for a long time, don't be too old. Users can consult the age of the house in advance when applying for a mortgage. Usually, the age of new houses is very new, and only second-hand houses will have age problems.

There are still a series of problems in over-aged houses, such as high maintenance costs, small appreciation space and possible expropriation, which will lead banks to refuse loans to over-aged houses.

How many years can't I get a loan after the house is finished?

Houses over 20 years old generally do not meet the loan conditions. Generally, houses with a room age of more than 20 years in various banks are basically not eligible for loans. Because the building structure and materials of over-age houses must be aging from the outside to the inside, which will affect the quality of houses, banks may refuse loans. The age of the purchased property (referring to the completion period of the property) is generally not more than 20 years, and the loan term plus the age of the mortgaged property is not more than 40 years in principle.

But in fact, many old houses and small houses also sell well in second-hand housing transactions. Such an old house is either in a particularly good location or has very favorable supporting facilities, such as well-known schools. Therefore, you can borrow money to buy a house, and it is best to go directly to the bank for consultation. The house is evaluated and verified by people. If the bank doesn't work, you can try something else.

The age of second-hand houses should be controlled within 20-25 years. No loans for more than 25 years. Even if older houses can get loans, banks will reduce the loan base of lenders. Of course, if the housing lot is good and the liquidity is strong, some banks will also relax the age of the house to 20-30 years, so the specific situation depends on the actual situation of the second-hand house. Banks generally stipulate that the age of second-hand houses is within 20-25 years. For older houses, even if they can apply for loans, banks will reduce the borrower's loan ratio.

What should I pay attention to when buying an old house?

1. Don't buy small property houses or resettlement houses. Such a house rises slowly, is uncomfortable to live in and cannot be traded normally.

2. If you want to buy an old family home, with the relocation of the unit and the new family home, the old family home will gradually become unattended, and even if you buy it, you can't get a good living experience.

3. I want to buy a community with no underground or a serious shortage of parking spaces. When cars become the standard of every household, the old community with difficult parking can't sell the price naturally.

4. Don't buy a property in a community with bad reputation. The grade of the property is related to the comfort of living. If the word of mouth is poor, buyers are naturally reluctant to buy.

You can't apply for a mortgage loan if you are older than the house.

It cannot exceed 15 years, and some banks may relax to 25 years.

Some banks stipulate that not all houses can be mortgaged, and mortgage loans have certain requirements for the age of the house, which generally cannot exceed 15 years, and some banks may relax it to 25 years.

Five types of real estate do not meet the mortgage loan conditions:

1, the house with outstanding loan.

It should be noted that if the property is still mortgaged, then the mortgage of the property is actually in the hands of the bank, which is equivalent to the temporary transfer of property rights. Although the borrower has the right to use, he does not have complete property rights, so he has no right to control the mortgage of the property and cannot apply for a loan with it.

2. Long-lived, small-sized second-hand houses.

When applying for housing mortgage loans, most banks have strict regulations on mortgaged properties. On the whole, banks will find it difficult to realize the real estate with an area of ≤50 square meters and a room age of ≥20 years, and it is difficult to make mortgage loans. Of course, if the property is located in the main urban functional area, some properties can be another matter.

3. Affordable housing for less than five years.

In the charter of affordable housing, the competent department clearly pointed out that only after the expiration of five years, affordable housing (or price-limited housing) can be eligible for listing and trading, and property rights can be completely transferred. If the landlord sells the house within five years, it will violate the relevant regulations and cannot realize the transfer of property rights, let alone the qualification of mortgage loan.

Extended data

Basic conditions of housing mortgage loan:

There is a set of large-scale private property houses in Tianjin under the borrower's name, and the property rights are clear and definite;

2. Housing types include individual houses, shops, apartments, villas, affordable housing, etc.;

3. The loan is mainly used for personal car purchase, decoration, travel, going abroad and purchasing furniture. ;

4. The borrower must be at least 18 years old, and the loan period of the borrower's age is no more than 65 years old;

5. The basic requirement of housing area is more than 40 square meters, and the house age is 30 years;

6. If the property is mortgaged or mortgaged, you can directly apply for two mortgage without paying the final payment;

7. Households under the names of parents and relatives can also apply for mortgage loans, as long as the property owner agrees;

8. If the property owner is too old, it can be handled in the form of a tripartite mortgage loan;

9. If the personal credit information is not satisfied within the time limit, the black household can successfully handle it;

You need to meet the above conditions before you can apply for a mortgage loan from the bank.