Whether buying a new house or a second-hand house, you can choose a loan to pay the house price, but the loan application for buying a second-hand house is more stringent, mainly because some second-hand houses are older and may face demolition or some problems in the quality of the house at any time. The value of mortgage loan is not big, so you can't apply for too many quotas or even apply for loans. So how many years can I borrow a second-hand house? Let's take a look with Bian Xiao.

First, second-hand housing can be loaned for no more than a few years.

Second-hand housing can be loaned if it is less than 20 years old. Generally, if the house age is above 15, it will be more difficult to get a loan, especially if the bank's quota is tight. Usually, if the loan period plus the house age is within 45 years, it is better to apply for a loan. Once the second-hand house is over 20 years old, you should buy it carefully.

Second, what is the impact of older second-hand houses?

1, affecting housing loans

The evaluation value of the over-age house itself will not be too high, which will affect the loan amount. And the older the house, the shorter the loan period will be. Many commercial loan banks will refuse to give loans to some elderly real estate.

2. The land use cycle is short.

The older the house, the shorter the term of land use right. Once it expires, it is necessary to renew the land transfer fee, which means it is not cost-effective to spend more money to buy a house.

The cost of living has increased.

The older the house, the lower its value, mainly because the hardware environment and living comfort of the house are weakened, and the quality is difficult to guarantee, which may require more house maintenance expenses.

4, once again affect sales.

Older houses are basically difficult to sell, and there is basically no room for appreciation when buying older houses. There are still many shortcomings and troubles.

Editor's summary: The above is an introduction about how many years the second-hand house can be loaned. I hope what Bian Xiao shared can give you some reference. If you want to know more about it, you can pay attention to our Qijia. Com information.

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