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.

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

Legal analysis: college students can't borrow money to buy a car. College students can only apply for student loans and interest-free loans for small businesses. When handling car loans, banks will require applicants to have a stable job, that is, a source of income, while college students are temporarily unemployed and have no labor contracts to issue, so the preconditions for loans are not established, and general banks will refuse to handle such loans.

Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender.

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

Basic conditions for buying a car by loan: (1) China citizens who are at least 18 years old, have full capacity for civil conduct and have a fixed residence in China; (2) Having a stable occupational and economic income and being able to guarantee the repayment of the loan principal and interest on schedule; (3) Opening a savings account in a loan bank, and depositing a down payment for car purchase of not less than the specified amount; (4) It can provide guarantee measures recognized by the loan bank for car purchase loans; (5) Willing to accept other conditions stipulated by the loan bank.

4. Can college students borrow money to buy a car? What is the procedure?

Hello, yes.

The process of buying a car with a loan:

Step 1: Apply. After you are optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.

Step 2: The bank conducts pre-loan investigation and approval. If the bank meets the loan conditions, the bank will promptly notify the borrower to fill in various forms.

Step 3: Inform the borrower to sign loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.

Step 4: The bank issues the loan (the bank directly transfers the money to the car dealer's account).

Step 5: The borrower pays the down payment to the car dealership, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.