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It's just that I don't think school loans will have much impact on finding someone I can afford.

Second, what conditions do college students need to buy a house with a loan?

Conditions for college students to borrow money to buy a house:

1, college students have registered permanent residence in this city, but they have no job and income, so they can't be the main lenders, and it's not feasible for their parents to be the main lenders. Therefore, college students who have not graduated can only choose the full amount if they want to buy a house. If you are an undergraduate, you can't apply for a loan to buy a house.

2. College students with foreign hukou need to provide tax payment certificates or social security certificates if they want to borrow money to buy a house. At present, banks provide housing loans to foreign lenders who cannot provide tax payment certificates or social security payment certificates for more than one year. Therefore, college students with foreign hukou must be able to provide the above proof materials.

3. The income of college students who have just joined the work is basically not high and their repayment ability is limited. For example, for college students, there will be a relatively strict review of loans to buy a house. For college students who have just settled down to work, their parents should come forward to guarantee, so that their parents with relatively high incomes can be co-borrower, and loans can only be allowed after the family guarantees.

4. Some bank loan regulations allow students and parents who have reached the age of 18 to apply for personal housing loans from banks as * * * borrowers. After the loan, the parents can be responsible for the monthly repayment, and the longest loan period is determined according to the age of the students.

Third, how do college students borrow money to buy a house?

The specific steps are as follows:

1. If the down payment of college students is enough, the current income can repay the mortgage, and the current work unit has been full for half a year, and it can also borrow money to buy a house for nearly half a year. For graduate students to buy a house with loans, some areas have certain support policies for college students to apply for mortgage loans. Individuals can understand local policies and decide to apply for loans to buy a house before applying for loans to buy a house.

2. Before applying for a loan from a local lending institution, you must first determine whether you have enough repayment ability, and it is also important to have a good credit record. Secondly, you must meet the other loan conditions of the lending institution.

Housing loan conditions for college students

1. College students with foreign hukou must provide tax payment certificates or social security certificates.

Now the bank has indicated that it will no longer provide housing loans to foreign lenders who cannot provide tax payment certificates or social security payment certificates for more than 1 year. Therefore, the loan for college students with foreign hukou must be able to provide the above proof materials, otherwise the newly graduated college students can only choose to pay the full amount if they want to buy a house and settle in other places.

2. As soon as you settle down, your parents must come forward to guarantee.

Even if college students already have jobs, their hukou is newly settled, and the review of college students' loans to buy a house will be relatively strict. Mainly because the income of college students who have just joined the work is basically not high and their repayment ability is limited.

Generally speaking, college students need a certificate of income issued by the company to apply for a loan before they can approve the mortgage. After meeting the conditions, they will implement the policy of the first suite. If the income of newly graduated college students is not high, then parents with relatively high income need to be co-borrower. You can't get a loan until you have a guarantee at home.

3. Undergraduates who haven't graduated can't apply for loans when buying a house.

Some parents of foreign college students want to invest in buying a house for their children while they are still studying, so that when they graduate, they can settle down without moving back to their hometown. However, it is now stipulated that although college students are registered in this city, they cannot be the main lenders because they have no job and no income at present, and it is not feasible for their parents to be the main lenders. Therefore, college students who have not graduated can only choose the full amount if they want to buy a house.

However, some banks have introduced student housing loan regulations, allowing students and their parents who have reached the age of 18 to apply for personal housing loans from banks as borrowers. After the loan, the parents can be responsible for the monthly repayment, and the longest loan period is determined according to the age of the students.

Preferential policies for college students to buy houses

In fact, there is basically no discount for college students to buy a house with loans. Of course, some banks will also introduce certain student purchase policies. The general discount that college students can enjoy is that they can enjoy the interest rate of 30% lower than the benchmark interest rate when they buy a house with the first mortgage loan. If it is a provident fund loan, the loan interest rate is 3.87%. The down payment for the first suite is 20% of the total house price, and the down payment needs to be paid by yourself.

As a college student who wants to buy a house, in addition to considering whether it meets the conditions, he needs to decide whether to borrow money to buy a house according to his own conditions. After all, the new job is not very stable, and buying a house with a loan will have certain risks.

Fourth, how do college students borrow money to buy a house?

Chestnut replied

1, college degree, graduated.

If college students are still studying, they can't borrow money to buy a house. Only parents can guarantee or borrowers can borrow money to buy a house.

3. College students can apply for a housing loan process, and generally need to provide a tax payment certificate or social security payment certificate for more than one year.