Old houses can also be mortgaged. As long as there is a certain value space, it can naturally be mortgaged to obtain certain loan funds. But if the house is too old, the value of the house will be greatly reduced, and it is naturally not easy to get a loan from the bank. Especially old houses over 30 years old, many banks will refuse. Even if the loan is approved, it is estimated that the approved amount will not be too high (the loan amount will generally be lower than 80% of the value of the collateral, depending on the approval result). Mortgage loan refers to a loan method in which the borrower legally takes his own property ownership as collateral to obtain institutional or personal loans. The object of mortgage is valuable and easy to realize. Such as cars, houses, shops, equity, gold and so on. Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price. : Do you want to check the credit information of the mortgage loan? Mortgage loans also need to be checked for credit. Under normal circumstances, mortgage loan refers to bank loan, and applying for a loan in a bank often pays more attention to the applicant's credit information. If the user's credit information does not meet the requirements, even if the mortgage is provided, the loan application will not pass. Collateral is only a kind of guarantee, and credit information is a record of user credit. How many years can a mortgage last? The term of mortgage loan is related to collateral. Generally speaking, the loan period of real estate mortgage loan is relatively long, usually around 1-20 years. You can apply for real estate mortgage loan for up to 30 years. The life of automobile mortgage is short, generally around 1-3 years, and the time for different financial institutions to handle automobile mortgage is different; Some financial assets mortgage loans have short loan terms, such as national debt mortgage loans, and the longest loan term is 1 year or less than the maturity date of national debt. How long can the mortgage be lifted? The time of mortgage loan is related to the type of mortgage loan, the flow speed of bank funds and the amount of loan, which cannot be generalized. Usually, the lending time of bank mortgage loans is about 3 days after approval, and car mortgage loans will be released on the day of approval. Users can check the specific loan progress through online banking, mobile banking, bank customer service hotline, bank business outlets counters, etc. Whether the mortgaged property can be transferred depends on the bank. Mortgaged real estate is generally not transferable, but both parties can consult the bank. If the bank agrees, both parties can go through the relevant formalities with the materials. If the bank doesn't agree, it won't work. You must repay the loan and cancel the mortgage before you can transfer the ownership. What is the repayment method of mortgage loan? There are several repayment methods of mortgage loans, among which the most important repayment methods are equal principal and interest repayment, average principal repayment and one-time principal and interest repayment. One-time repayment of principal and interest is mainly applicable to mortgage loans with a loan term of less than one year, and the interest generated by the average principal repayment method is less than that generated by the equal principal repayment method.

Second, the house is over 30 years old. Can it still be mortgaged to the bank?

A 30-year-old house can be loaned, but the probability is low.

Generally, 30-year-old houses cannot apply for mortgage loans, and only a few properties with higher real value can apply.

For residential houses, the term of ownership is 70%.

In order to avoid risks, banks generally stipulate that the age of second-hand houses should be within 10-30 years.

Can a 30-year-old house be mortgaged in a bank?

It depends on the bank's assessment.

General banks do not accept second-home loans.

If it is a first-tier city or

Can a house over forty or thirty years be mortgaged?

Spread out completely

Real estate mortgage needs to be evaluated first, as long as real estate assessment exceeds the loan amount you want.