In line with the local housing policy, the age plus loan period is not more than 70 years old. At the same time, you need to provide proof of use, proof of identity, proof of income, etc. , and contact a loan manager for consultation.

If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, you need to contact the personal loan department at the local counter directly to provide personal information and the status of the purchased property before you can apply.

If you need to apply for a second-hand real estate loan, you usually apply for a loan from the bank first, and then go through the formalities of property transfer. You can provide your specific information and purchased property by contacting the local counter personal loan department, and the counter personal loan department will review your comprehensive situation to determine whether you can handle it.

Second, can college students borrow money to buy a house?

If you are in college 18 years old, you can get a loan to buy a house.

Conditions for buying a house with a loan:

1. A loan to buy a house requires a local permanent residence or a valid resident status.

2. Buying a house with a loan requires a stable occupation and income; 3. Buying a house with a loan requires good credit and the ability to repay the principal and interest of the loan on time;

4. Buying a house with a loan requires assets recognized by the lender as collateral or pledge; Or if the borrower can't provide the mortgage (pledge) in full, the unit or individual recognized by the lender and capable of compensation shall serve as the guarantor to repay the principal and interest of the loan and bear joint liability;

5. Relevant approval documents are required for the loan to buy a house;

6. The price of the house to be purchased by the loan basically conforms to the lender or the real estate appraisal designated by the lender.

7. If you buy a house with a loan, you will not enjoy the house purchase subsidy, and the down payment will be no less than the full price of the house purchased; Enjoy housing subsidies, with 20% of personal deposits or cash as the down payment;

8. Buying a house with a loan requires other conditions stipulated by the loan bank.

College students can afford to buy a house if they have the conditions.

3. Can college students borrow money to buy a house?

As a senior student who is about to enter the society, let me tell you whether college students can borrow money to buy a house.

First of all, college students can buy a house, but if they borrow money, they need to meet several conditions. The loan needs to be audited by the bank, and the information provided has proof of salary income. So if you want to buy a house with a loan, you need a guarantor, and the guarantor is usually made by your parents, and the income certificate provided is basically your parents', so at most it is in your name, and your parents pay for the house, so in the final analysis.

In addition, some areas are restricted to purchase. For example, people with non-local household registration are only allowed to buy one house. Can you buy a house around here? In addition to loans, audits also depend on other policy factors. In some areas, it is required to pay social security at least 1 year locally, and in some areas, it is required to pay social security for 2 years. I don't know where you are. You'd better check online to see if there are any restrictions in this regard. Buying a house is a big deal, and the money needed is not a little bit, so these things should be discussed with parents. After all, a family can only buy two or three sets at most, and there is no need to buy more.

In addition, the current national prevention and control is very strict, and the sales of houses have also shrunk dramatically recently. I suggest you read more books and ask more questions. If you really need it, you can start, but if you don't just need it, you have to wait for the opportunity. In addition, I suggest that you don't buy a house before you start working, because you don't know where you want to work. If we buy a house, we still have to help ourselves. If you have your own house and rent a house outside, I don't think it is necessary. If you want to invest, it is time for house prices to fall. I suggest you think carefully and only represent your own point of view. In short, we must be cautious about buying a house with a loan, and we can't worry.

Fourth, 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.