Can I buy an old house?

All properties that can be listed and traded can be bought, depending on your personal needs. The property with a room age of 30 years is generally unable to apply for a loan from the bank and needs to be paid in full. According to relevant regulations, the loan period of second-hand housing bank is as follows:

1. The sum of the service life of second-hand houses and the loan life cannot exceed 30 years.

2. The age of second-hand houses cannot exceed 15 years.

3. The nature of land is that the loan maturity date of the transferred land cannot exceed the maturity period of land use, and the allocated land depends on the situation.

4. The sum of the loan term and the borrower's age shall not exceed 65 years old.

It is worth noting that the above four provisions on loan term must be met at the same time. In other words, the longest loan term must meet the above four conditions at the same time.

What things will be affected by being too old?

1, there is not much room for value growth.

The influence of housing age on housing value is mainly reflected in the space for value growth. Although the old houses in the city center have absolute advantages in lots, don't forget that the prices in these lots are already very high, and they lack new concepts to stimulate the price increase, so they can only follow the crowd.

2. Short service life and increased property cost.

In fact, the age of the house is closely related to the effective service life of the house. As we all know, the current residential service life on state-owned land is 70 years. The older the house, the shorter the actual effective service life. In addition, the longer the age of the house, the longer the use time of the house will be, which will lead to certain housing maintenance costs and increase the maintenance cost of the property, and the actual purchase cost of the buyers will also increase invisibly.

3. It is difficult to get a loan.

Housing is too old, the most direct impact is that loans shrink, loans for old houses are low, or some banks directly refuse to lend. This is mainly determined by the evaluation results of houses, and the reason why loans are difficult is largely due to the shrinking of land use years.

4, or there are security risks.

The longer the house is built, the longer it will take. In fact, there will be a certain degree of damage from the inside, which may require maintenance, especially in the kitchen and bathroom. Moreover, the previous building materials and construction technology are relatively backward, which may have potential safety hazards.