I know. Can a second-hand house in Jinan be loaned?

Yes, but generally speaking, there are these restrictions on second-hand housing mortgage loans:

Property right certificate: the commercial house that has obtained the property right certificate, or the commercial house that can immediately obtain the property right certificate and live;

Age of the house: no more than 20 years for ordinary houses and no more than 15 years for other properties;

Loan ratio: 80% for ordinary housing and 60% for other properties;

Loan term: the sum of the service life of ordinary houses and the loan term shall not exceed 30 years, and the sum of the service life of other houses and the loan term shall not exceed 20 years (and the loan term shall not exceed 10 year); The sum of the loan term and the borrower's actual age shall not exceed 65 years old.

The choice of interest rate varies from person to person: people with stable income and high monthly income can consider choosing a fixed interest rate because it will not be affected by interest rate hikes in the future. However, if you are a class with stable job but low income, such as teachers, university professors, civil servants, etc. It is suggested to choose floating interest rates, because they are high-quality customers among bank loan customers and can enjoy preferential interest rates, so floating interest rates are more favorable.

Proof of income and repayment ability: banks will require borrowers to provide proof of income when issuing loans. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time, and the bank can also approve it after meeting the conditions. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference.

Special reminder, some second-hand houses cannot be loaned, such as relocated houses, resettlement houses, public houses, enterprise houses, small property houses and other second-hand houses with incomplete property rights certificates cannot be loaned. When choosing a house, you must pay attention to whether the house has a property right certificate.