If college students are still studying, they generally can't borrow money to buy a house. Only parents can come forward to guarantee or as borrowers can borrow money to buy a house. If college students have graduated, they only need to go through the normal housing loan process, and generally need to provide tax payment certificates or social security payment certificates for more than one year.

Second, how do college graduates borrow money to buy a house?

As long as you can afford the down payment, have a stable job and pay the repayment, you can borrow money to buy a house.

Application conditions for mortgage loan for house purchase 1, legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

2. Have a good credit record and willingness to repay;

3, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

4. Commercial housing sales (pre-sale) contract or letter of intent signed with the purchaser;

5. Have the ability to pay the down payment of the purchased house;

6. Open a personal settlement account in a bank;

7. There is an effective guarantee recognized by the lender;

If you need a loan, I recommend you to apply to Easy Loan China-as long as you submit your application online, Easy Loan China will review it for you as soon as possible to solve your big problem-you only need to fill in your loan demand and your information (you don't need to fill in personal identity information and other privacy), and the financial planner in Easy Loan China will analyze your loan demand and information, and then choose the bank where you are located to get in touch with you. In this process, you have the right.

Easy Loan China is an online loan application platform. Cooperate with China Industrial and Commercial Bank, China Bank, Guangdong Shenzhen Development Bank, Shanghai Pudong Development Bank, Standard Chartered Bank, Industrial Bank and more than 20 banks and microfinance companies nationwide to accept online loan applications from all over the country.

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

In most cases, newly graduated college students are generally not allowed to borrow money to buy a house, because their income is still unstable and the down payment is not enough, so it is not easy to borrow money to buy a house.

However, if the down payment of college students is enough now, the current income can afford to repay the mortgage. After staying in the current work unit for half a year, they can still borrow money to buy a house for nearly half a year.

For graduates to buy houses with loans, some areas have certain support policies for college students to apply for mortgage loans. For example, Jiangxi, Chongqing and other places have introduced preferential policies for college students to buy houses. Individuals can understand the local policies before applying for a loan to buy a house, and then decide to apply for a loan to buy a house.

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

It is not recommended to buy a house after graduating from college. First, find a more stable job. Generally speaking, you have to pay a down payment. The down payment ranges from several 65,438+million to several million, and the down payment ranges from 20% to 30%, and then you borrow money to buy a house. You have to pay a large loan fee every month. If you just graduated from college and have an unstable job, you will definitely not be able to repay your loan principal and interest. Well, actually, if you just graduated, you don't have to rush to buy a house. Settle down your job first, and then consider buying a house when you have enough foundation!