1. Is it possible to get a loan if the house is 20 years old?

Theoretically, it is not possible. Generally, banks require it to be less than 20 years old. You can ask the appraisal company to rate the age of the house shorter. The age of the house will affect the loan term.

2. Can I still get a loan for a house that is 20 years old?

In many cases, due to budget, school district, transportation and other reasons, you may have to buy an older house. If you buy a 20-year-old house, can you apply for a loan?

1. Can I still get a loan for a house that is 20 years old?

1. Generally, it is difficult to apply for a loan for a house that is more than 20 years old. Of course, it does not rule out that the house value is high, The conditions for bank loans are relatively loose, but if the loan term plus the age of the house exceeds 30 years, the loan cannot be applied for.

2. Therefore, the decision must be made according to the specific policies of each bank, but basically if the house is too old, it will be rejected and cannot apply for a mortgage loan.

3. Banks will basically not approve loans for commercial houses that are more than 20 years old and have an area of ??less than 50 square meters. In addition, there are also requirements for personal conditions. For example, the age needs to be 18 years old. If the age is not too old, it cannot be more than 65 years old. More importantly, the individual must have the ability to repay the loan and have a stable job income. .

2. How to check the age of the house when buying a second-hand house

1. As buyers, when choosing a second-hand house, we need to pay attention to the age of the house, and the age of the house refers to the completion of the house. The calculation begins after acceptance until delivery. The age of a second-hand house can only be calculated from the day the developer hands over the house.

3. Can I still get a loan for a 20-year-old house in Chengdu?

Yes, some banks have more lenient policies and can handle houses within 30 years. Requirements for real estate mortgage loans:

1. Credit record

There must be no current overdue credit. The borrower requires no overdue credit report within three months. ***Some people require no serious credit report. Overdue (only the party responsible for checking the bill will be credited).

2. Age requirements

20~60 years old (***: 18-60 years old), legal Chinese citizens with civil capacity.

3. Application process

Prepare information-record documents for review-issuance of contract-sign for payment-loan

4. House mortgage loans in Chengdu, old Is it easy to get a loan for a house?

Conditions for mortgage loans:

Commercial housing and commercial housing with clear property rights and strong liquidity are required as collateral. The following conditions must be met:

Processing in the same city: the mortgaged property and the loan handling outlet must be in the same city, and mortgages from different places are not accepted.

Real estates with an estimated current value of ≤100,000 are not accepted as collateral;

Already have a property ownership certificate and clear property rights, can be listed and circulated, and can handle mortgage registration. There are no unfavorable realization situations such as property rights disputes. ;

Have strong liquidity: the property structure is good, water, electricity, transportation, property management and other facilities and services are complete, there are no problems and are not within the scope of government planning;

The mortgaged commercial housing is ≤20 years old and the loan/credit term is ≤40 years; the mortgaged commercial housing is ≤20 years old and the loan/credit term is ≤30 years.

In principle, commercial buildings that have been idle for more than 6 months are not accepted as collateral.

Warm reminder

Please contact the local personal loan department to confirm whether your property meets the conditions.