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?

There are certain conditions and standards for housing loans. How many years can't you repay the loan? PChouse, let's take a look.

Generally, a house cannot be loaned for more than 20 years. Second-hand housing should be controlled within 20-25 years. If the house is more than 25 years old, you can't get a loan. Even if loans can be provided for older houses, banks will reduce the loan base of lenders. Generally speaking, banks basically don't lend money to houses over 20 years old. Because the building structure and materials from the outside to the inside of the house are definitely aging, which will affect the quality of the house, so the bank may refuse the loan for the house with an over-age building.

However, in fact, in the second-hand housing transactions, many old houses also sell well. Such an old house is either in a particularly good location or has very advantageous supporting facilities, such as well-known schools. Therefore, whether the house you want to buy can be loaned or not, it is better to consult the bank directly, and the house evaluation has auditors. If one bank doesn't work, try other banks.

How many years can't the real estate license be loaned?

Real estate license cannot be loaned for more than 20 years.

Major banks have strict requirements on the loan life of second-hand houses, and second-hand houses that have been over 20 years basically do not lend. Individual banks even require second-hand houses with an age of 15 to get loans. Second-hand houses are often different in age, and owners who have no experience in buying a house must understand the age of the house.

Pay attention to all purchases of second-hand houses. First, the "house age" should be indicated in the purchase contract, which stipulates that if the real age of the house is deliberately concealed after signing the contract, the buyer has the right to claim compensation. Under this "black and white" agreement, intermediaries generally do not resort to deceit.

If you don't believe the "house age" quoted by the intermediary or seller, you can go to the housing management department to understand the real situation of the house. This method is more accurate. In addition, there is a convenient way, that is, ask neighbors to get a general idea of the age of the house.

Extended data:

Banks and loan companies have restrictions on the age of mortgaged houses. If it is a commercial house or a second-hand house with a room age of more than 20 years, the bank will basically not lend money. For affordable housing, it is stipulated that the age of the house is more than five years before the loan can be made. Because affordable housing can only be listed and traded for more than five years, it can be used as collateral and mortgage loan.

For the term of mortgage, it is generally stipulated that the sum of house age plus loan time should not exceed 30 years. In other words, if the house is twelve years old, the longest loan period is eighteen years. If the house is 20 years old, the longest loan period shall not exceed 10 year.