You can get a loan for buying a second-hand house, but you need to meet certain requirements first, otherwise you can't get a loan.

Second-hand houses with room age 15 can be mortgaged, and the excess depends on the specific house.

Usually, the loan ratio of commercial banks is as follows:/kloc-70% for loans within 0/0 years, and 50-60% for loans within 0/0-15 years.

Under normal circumstances, second-hand housing mortgage loans need third-party agent guarantee. Individuals can't get loans by going directly to the bank. You can find an intermediary company or a loan company to handle the loan.

There are generally two ways: mortgage loan and provident fund loan.

(A) second-hand housing mortgage loan process

1. The borrower submits a written loan application and provides the following information:

(1) Housing transaction contract signed by the buyer and the seller and signed by the competent department;

(2) the property right certificate of the house purchased and the document that someone agrees to sell the house;

(3) the borrower's family property certificate and income certificate (including personal income certificate, tax payment certificate, bank deposit certificate, real estate license, securities, etc.). Issued by the work unit);

(4) The borrower's legal and valid identity certificate (referring to the resident identity card, household registration book or other valid residence certificate) and proof of marital status;

(5) The document that the borrower and the * * * people agree to mortgage the purchased house.

2. The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank.

3. After investigation and approval by the lending bank, the borrower and the lending bank sign a loan contract and a transfer deduction authorization.

4 for housing transfer, insurance, notarization, mortgage registration and other procedures.

5. Proof of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.

6. Transfer loans. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.

(B) Second-hand housing provident fund loan conditions

Eligible second-hand housing can be provident fund loans. The conditions that the borrower needs to meet if he wants to give a second-hand housing provident fund loan include:

1. The borrower has stable income, good credit and repayment ability;

2. The borrower's work unit purchases provident fund for him and reaches the purchase period specified in the local provident fund loan conditions;

3. The amount in the current provident fund account is sufficient;

4. The borrower has the ability to pay the down payment for the second suite;

5. Other conditions stipulated by the local provident fund management center.

In addition, before applying for a second-hand housing loan, the borrower must first confirm in detail whether the second-hand housing meets the conditions for applying for a loan, especially the age of the second-hand housing, because most lending institutions only accept second-hand housing with a house age of less than 20 years.

Materials needed for buying a second-hand house loan

1. Identity information: ID card, military officer's card, etc. ;

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ;

3. Proof of use: the original title certificate of the purchased property, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, just provide the supervision fund certificate);

4. Proof of repayment ability (provide one or more of the following): (1) Provide proof of income for customers whose income is basically consistent with their local industries, occupations and positions, and their income level is sufficient to meet repayment needs; (2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided.

Can I apply for a loan to buy a second-hand house?

You can apply for a loan, but according to the current real estate method, it is no longer allowed to apply for a loan to buy a second-hand house in many places.

Judging from the market before 202 1, almost all areas are allowed to buy second-hand houses and apply for personal housing loans. However, with the further tightening of the current personal housing loan market, many banks no longer support applying for loans when buying second-hand houses. The purpose of this is simple, that is, to fully control the current real estate market.

Eligible users can apply for loans when purchasing second-hand houses.

If you want to buy a second-hand house, you need to contact the seller first and then apply for a housing loan through the bank. For most users, many people are unable to pay the house payment in full, and need to use the leverage of the bank to complete the transaction. Banks will comprehensively review a person's personal credit information and repayment ability, and evaluate whether a person can obtain a personal housing loan in this way.

Nowadays, buying second-hand houses in many areas no longer supports applying for loans.

This measure began in May, 20021year. It was first implemented in Shenzhen. Later, many parts of the country followed suit. The reason why these areas do this is mainly because the second-hand housing market is highly saturated and there are some signs of real estate speculation. We know that houses are used for living, not for speculation, and such violations will certainly not be supported by banks.

Now is not the best time to buy and sell second-hand houses.

Because there are many real estate measures at present, and many areas are also introducing new measures, I personally feel that it is not the best time to buy and sell second-hand houses at present, and the current real estate market is changing too fast. If you don't just want to buy a house, I suggest you wait and see for a while, and don't rush to start. At present, many places can't handle second-hand housing loans, so friends are advised to give priority to evaluating their purchasing power.

Can a second-hand house be loaned?

Now the demand for new houses is in short supply. Second-hand houses are becoming more and more popular, and at the same time, they can reduce the pressure of life, but you can't just buy them. Many people question whether second-hand houses can be loaned. Then, the following small series will share with you whether second-hand housing can be loaned and the precautions for second-hand housing mortgage loans.

Second, can second-hand houses be loaned?

Second-hand housing can be loaned according to the following procedures:

1. Application: The buyer and the seller bring relevant information to the bank for processing. The bank will give you a second-hand housing loan application form, fill it out and hand it over to the staff for review. The staff will evaluate your information and give you an approximate loan amount and time. Then make an appointment, and the bank will find real estate related personnel to inspect and evaluate the house.

2. According to the agreed time, the real estate related personnel will evaluate the house. After the evaluation is completed, the bank will give an evaluation report. The time is determined according to the agreed situation, usually 3-5 working days, and the trading party needs to give a certain evaluation fee.

3. The bank shall review the qualifications of the applicant lender, and after it meets the requirements, it shall examine and approve the specific loan amount and time of the lender according to the appraised price of the house. The examination and approval time is generally 5 working days.

4. After approval, the buyer shall pay the down payment to the seller. Both the buyer and the seller and the bank staff need to go to the Housing Authority and bring the down payment certificate, the mortgage application approval documents given by the bank and other materials before they can handle the property transfer. The transfer can be completed on the same day, and the buyer can get the real estate license in about half a month.

5. After obtaining the real estate license, you can register the real estate mortgage and apply for insurance. After the loan issuance formalities are completed, the bank will deposit the house payment into the seller's account, and the buyer will start to repay the house payment according to the contract.

Summary: The above is the second-hand housing loan shared by Bian Xiao, and the related content of second-hand housing mortgage loan, hoping to help everyone. Everything about buying a second-hand house must be done by yourself, so every link in the second-hand house transaction process should be cautious.

Can I get a loan for buying a second-hand house?

Hello, you can buy a second-hand house with a loan, but you must meet certain conditions. Different banks have different rules. Generally speaking, if you want to get a bank loan smoothly, you must pay attention to the following points: 1, the loan materials should be true; 2. Affordable housing must be five years old, and affordable housing for five years can be listed and traded. If you buy a house for less than five years, you must not apply for a loan; 3.* * * The property owner must agree to sell the house; 4. Don't be too old. If the house is too old, the loan application is likely to be rejected by the bank; 5. Credit information should be kept good.

Can a second-hand house be loaned?

Second-hand housing can be loaned. Buying a second-hand house can be loaned, but it must meet certain conditions. Different banks have different regulations. Although the down payment ratio of second-hand houses is the same, the down payment calculation method of commercial loans of second-hand houses is different from that of new houses. Second-hand housing commercial loan down payment = transaction price-housing appraisal value x loan ratio, second-hand housing loanable amount = housing appraisal value x loan ratio.

Matters needing attention in second-hand housing loan

Verify the identity of the seller. If it's a person, look at his ID card. If you choose an intermediary, you should choose a formal real estate agent with a certain degree of credibility as the supervisor of both parties' funds and housing delivery in the second-hand housing transaction, so as to ensure the smooth transfer after the payment, and the house and money will be liquidated after the transfer.

If necessary, you can check the two certificates that an intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the intermediary agent qualification certificate issued by the Housing and Land Administration Bureau, which is the premise of matters needing attention in buying second-hand houses. Housing Authority examines the seller's real estate license. Check: whether the owner on the property certificate is the same as the seller, and check whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the property certificate. It can't be wrong in principle.

Can I get a loan for buying a second-hand house?

Yes, but the down payment is higher, and the seller must agree (if a one-time payment is required, the loan cannot be made), because the loan must be coordinated. If you are looking for an intermediary, be sure to ask if there are any other fees for the intermediary fee. If he says he must write a song without a written guarantee, you should also ask them to write a written guarantee to ensure that they will be fully responsible for the procedures and loans he promised within the time they said.

Installment payment has become the most common practice in second-hand housing transactions. That is, after signing the contract, the buyer pays a certain proportion of the down payment to the seller, and then pays the final payment after the transfer.

The final payment of the second-hand housing commercial loan process depends on whether the buyer adopts "full payment" or "loan". After the transfer, the buyer pays the seller directly in cash or by transfer. If you need a loan, you need to apply for a commercial loan, provident fund loan or portfolio loan after signing the house sales contract. After the transfer is completed, the bank will transfer the money to the seller's account with the deed tax invoice or the house ownership certificate.

Can 400,000 second-hand houses be loaned? Let's stop here.