A friend who bought a second-hand house was told that he could not apply for a bank loan. The reason is that the age of second-hand houses is too old, and some buyers don't care too much about the age when buying them. When they buy second-hand houses, they generally only pay attention to the environmental traffic of second-hand houses, but ignore the age of second-hand houses. So is the loan period of second-hand housing related to the age of the house? Next, let's get to know Bian Xiao together!

Is the loan period of second-hand housing related to the age of the house?

First, second-hand houses over 20 years don't lend.

The loan conditions of each bank are different, but a large number of banks have requirements for the age of second-hand houses, and some banks have relatively loose requirements and can accept housing loans with an age of less than 25 years; A large number of banks have strict requirements, and basically do not give second-hand housing loans for more than 20 years, but may appropriately relax the fixed number of years for real estate.

Second, the older the room, the less chance of success.

Banks still have strict requirements on the age of second-hand houses. The older you get, the less successful you are in applying for a loan, and the fewer loans you can apply for. Over the prescribed period, it may even be impossible to apply for a mortgage loan, and buyers can only buy a house in full. The following loan ratios are for your reference:

Houses below 1 and 15 can apply for loans of about 70% of the total house price;

2. A house with a room age of 15~20 years can apply for a loan of about 60% of the total house price;

3. A house with a room age of 20-25 years can apply for a loan of about 50% of the total house price.

In the New Year, parking spaces, greening, apartment layout and residential facilities can be matched with only one section, because this part of the house is no different from buying a new house, and it is still in the urban area, so this kind of second-hand house is more popular with everyone.

Bian Xiao's conclusion: Are the above contents related to the loan period and housing age of second-hand houses? I hope I can help you. I believe that after reading the above contents, do you have any relationship between the loan period and the age of the second-hand house? If you have more knowledge, you can also refer to it in the future.

What is the relationship between the age of the house and the term of the loan?

This is a negative relationship. The loan period is negatively correlated with the housing age, that is, the older the housing age, the shorter the loan period, and the younger the housing age, the longer the loan period. The loan period is not only affected by the housing age, but also by the lender's age, which is also negatively related to the loan period. When calculating the loan term, the age of the house and the age of the applicant should be considered.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.

How to apply for prepayment of commercial housing? What is the relationship between the loan term and the age of the house?

How to apply for prepayment of commercial housing?

1. Ask the borrowing bank whether it can repay the loan in advance, and you can consult the hotline; If prepayment is allowed, the lender will go to the bank with his ID card (temporary residence permit is required for buyers in different places), loan agreement and other documents; Fill in the application materials and submit the application for prepayment.

2. According to the demand of the bank, deposit enough repayment amount into the repayment account of the bank; Go to the bank to sign relevant documents; Get back the certificate of his other rights, the certificate of full repayment of the loan, the original mortgage policy, the policy documents of mortgage cancellation of the real estate license and some bills.

3. Apply to the real estate management department (such as the district and county housing management bureau) for cancellation of mortgage, and the real estate department will take back his right certificate and affix an official seal on your real estate license, indicating that the mortgage has been cancelled. To apply for returning part of the guarantee fund to the insured auto insurance company, you should provide the original contract of the housing loan policy, the group book, the policy, the bank's loan repayment certificate, identity documents and other documents, fill in the form, and receive the balance of the guarantee fund account after liquidation.

4. It only takes a few working days after the application for early repayment is clearly put forward, and then it can be completed within one month. During the processing, the bank staff will make an appointment with you through the mobile phone in time to inform you of the next processing procedure.

5. Generally, there is no service charge for this link. Some banks may think that your prepayment is a breach of contract and will deduct some liquidated damages, which will be proposed by the bank when negotiating with the bank for prepayment. According to statistics, banks generally do not charge liquidated damages to ensure the safe retrieval of loan funds.

What is the relationship between the loan term and the age of the house?

There is a negative correlation between the loan period and the housing age, that is, the more the housing age, the less the loan period, the lower the housing age and the longer the loan period. The loan period is not only affected by the housing age, but also by the lender's age, which is also negatively related to the loan period. Therefore, when estimating the loan term, the age of the house and the age of the applicant should be considered.

Most customers choose to apply for a mortgage as long as possible, but this is only suitable for some customers. In fact, how long the loan term should be chosen depends mainly on the customer's own requirements.

How many years can't I get a loan?

Calculate how much it will cost to decorate your home.

Calculate how much it will cost to decorate your home.

When buying a second-hand house, buyers should not only pay attention to the location, facilities, location, floor and other factors, but also pay attention to the age of the house, so as not to affect the loan. So how many years can't you get a loan? How to check the age of the room? Let's take a look with Bian Xiao!

1. How many years can't I get a loan?

In order to control risks, banks have strict requirements on the duration of housing loans. The age of second-hand houses should be controlled within 20-25 years, and loans cannot be made after 25 years. Even if loans can be provided for older houses, 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.

Second, how to check the age of the room?

1. View the original purchase contract of the seller.

For the second-hand housing listed for the first time, the buyer can check the original contract of the seller, which records how many years and when the land use right of the house began.

2. Inquiry of the Municipal Housing and Urban-Rural Development Committee

After the developer gets the sales certificate, it will be publicized on the Internet, and then according to the community name, pre-sale certificate number, development unit, project address and other information, it will go to the Municipal Housing and Urban-Rural Development Committee to inquire about the age of the house.

3. Observation method

Finally, we can observe the kitchen and bathroom of the house to judge the age, because the decoration of the kitchen and bathroom is more difficult to change and it is easier to judge the age of the house, so we can estimate the age of the house property right through this method.

Third, the relationship between the age of second-hand housing and the loan period.

Housing age will affect the loan period and loan base. The older the house, the less the loan period and loan amount. For example, commercial banks such as Industrial Bank and Postal Savings Bank clearly stipulate that the age of the house plus the loan period cannot exceed 35 years and 45 years. Therefore, it is best to know your age before lending.

Summary of the article: Well, the knowledge about how many years can't be loaned ends here. If you need more information, please continue to pay attention to Qijia. We will have more exciting content in the future.

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