Can commercial and residential second-hand houses be loaned? Can second-hand commercial housing be loaned?

Can a second-hand serviced apartment be loaned?

Yes Commercial housing, such as serviced apartments, can be loaned for up to ten years, and only commercial loans can be used. Other houses are mostly half a year or one year.

Buying a second-hand apartment can be purchased by loan, but the lender needs to meet the loan conditions of the bank. Generally, borrowers are required to have legal status, stable income, good credit and the ability to repay the principal and interest of loans. There are legal and effective purchase and overhaul contracts and agreements, as well as other supporting documents required by the loan bank.

Article 2 of the Guiding Opinions of the Ministry of Land and Resources and the Ministry of Housing and Urban-Rural Development on the Connection between Unified Registration of Real Estate and Housing Transaction Management is strengthened. Strengthen the management of housing transactions. Housing transaction management is the foundation and core of real estate market supervision.

Real estate management departments at all levels should strengthen the work of housing transfer, mortgage, lease, area management, housing transaction files, housing intermediary and personal housing information system construction, especially the specific work of transaction supervision such as pre-sale permit of commercial housing, online signing and filing of housing sales contracts, supervision of housing transaction funds, establishment of housing list, qualification examination of housing purchase, housing verification, management of stock housing and policy housing listing transactions, formulation and supervision and implementation of housing mortgage policies, so as to realize orderly connection of related businesses.

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

You can get a loan for buying a second-hand house, but you need to meet certain requirements first, otherwise you can't get a loan.

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

Usually, the loan ratio of commercial banks is as follows:/kloc-70% for loans within 0/0 years, and 50-60% for loans within 0/0-15 years.

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

Can I get a loan for second-hand apartments?

You can get a loan to buy an apartment.

Taking Xi 'an as an example, according to the Notice of Xi People's Government on Printing and Distributing Several Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in Xi 'an, houses with a single building area of less than 1.44 square meters and an actual transaction price less than 1.44 times the average transaction price of houses (including apartments) on the same level of land can enjoy preferential credit and tax policies for ordinary housing.

However, to apply for provident fund loans for "apartment building" projects, the following conditions must be met at the same time: according to the nature of the land, the planned land is residential land, and when applying for personal provident fund loans, the "apartment building" projects with 70-year property rights are accepted according to ordinary residential standards. Apartment projects that do not meet the above conditions cannot use personal housing provident fund loans.

In order to further relax the conditions of provident fund loans, lower the extraction threshold, expand the scope of use, realize loans in different places in the province, implement portfolio loans, reduce the progress requirements of loan application projects, and comprehensively improve the personal loan rate and utilization rate of housing provident fund. The maximum amount of housing provident fund loans is adjusted to 750,000 yuan; The loan repayment period can be extended to 5 years after the statutory retirement age of employees, with a maximum of 30 years.

Extended data:

The difference between ordinary houses and apartments;

The "Code for Residential Design" and "Code for Residential Building" of the Ministry of Housing and Urban-Rural Development make it clear that residential buildings are buildings for families to live in. Apartments are divided into business apartments and public welfare apartments.

Business apartments are divided into residential, mixed and hotel. Public welfare apartments include student apartments and elderly apartments. There is no obvious difference in the nature and ownership of land between residential apartments and ordinary houses.

Residential apartment land belongs to residential land, with a service life of 70 years (50 years in some places); The land category of mixed apartment belongs to the comprehensive land use life of 50 years; The land category of serviced apartments belongs to commercial land, with a service life of 40 years.