The house can be loaned in 20 years. The term of commercial loans for second-hand houses will be affected by the age of the house and the age of the lender, and the longest loan term will not exceed 30 years. Calculated from the age of the house, the commercial loan period of the house is 30 years-the age of the house. In this way, a house with a room age of 20 years can only be loaned for 10 years at the longest, and the maximum loan amount can only reach about 50% of the appraised house price. When applying for provident fund loans, the loan period shall not exceed 20 years, and the sum of the loan period and the building age shall not exceed 40 years. Such a 20-year-old house can also apply for provident fund loans, but the loan period will be greatly shortened and the loan amount will be very small.

The risk of buying a house but only notarization

China stipulates that real estate rights are a registration system. Without the title certificate, there is still no ownership. Therefore, after the house is notarized, the house is still owned by the seller. The intermediary is likely to revoke the power of attorney or reissue the real estate license after notarization.

The house is only notarized, but there may be six major risks in sales notarization.

1. In order to avoid business tax, I will not change my account for the time being. Although such a house has property rights and looks safe, there is still the risk of unsuccessful transactions. Due to the overall value-added trend of the house, the seller may request to cancel the transaction because of the large value-added of the house. Although the contract has been signed and notarized, the court may not decide that the house belongs to the buyer when judging such disputes.

2. The right to housing is restricted. For example, due to civil litigation and criminal punishment, the house was sealed up and mortgaged, and the seller's rights could not be fully exercised. If property buyers buy such a house, they will take great risks. The house may be confiscated or auctioned, and buyers can only ask the seller to return the principal and interest. Even if the house transaction is notarized by the seller, it is invalid.

3. House * * * Some people don't agree to sell the house. Someone in the house usually refers to the owner's wife or husband. When buying a house, the buyer needs the consent of both the owner and the owner.

The seller has no property right to the house, only the right to use it. For example, after some units allocate housing, the house has been occupied by employees, but the unit has not transferred the property rights of the house to individual employees. At this point, the occupants only have the right to use the house and have no right to buy or sell. Such a house sales contract is not notarized by the general notary office, even if it is notarized, it has no legal effect.

5, a total of housing, small property houses can not get the title certificate. Property buyers can't obtain legal real estate license after purchasing such houses. If it does not conform to the urban planning, the government can demolish such houses for free, and all losses can only be borne by the buyers themselves.

6. Transitional real estate whose property right certificate is still being processed. In the case that the relevant procedures of the real estate company are not complete, the developer can delay issuing the real estate license to the buyers. At this time, the first-hand buyer faces the risk of not getting the real estate license.