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 over five years, five years of affordable housing can be listed and traded, if you buy a house less than five years, you must not apply for a loan; 3, a total of property owners 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 I get a loan for buying and selling second-hand houses?

Buying and selling second-hand houses can be loaned, and as long as they meet the loan conditions, they can go through the mortgage loan procedures. Under normal circumstances, the sum of the service life of the house and the loan life does not exceed 30 years, and some banks may handle the second-hand housing formalities for less than 20 years. The specific loan standards of each bank are different, but if there is no real estate license or land certificate, the bank will not handle the loan procedures. Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. Article 36 When a commercial bank issues a loan, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

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

You can get a loan to buy a second-hand house, but you need to meet certain requirements first, otherwise there is no way to get a loan.

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

Usually, the loan ratio of commercial banks is as follows: the loan within 10 is 70%, and the loan within 10- 15 years is 50-60%.

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