2. 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. The down payment needs to be paid by yourself, and no loan can be made.
Can college students borrow money to buy a house?
Now college students can borrow money from relevant banks to buy a house. College students need to meet the following conditions when buying a house with a loan:
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 accounts must be able to provide the above supporting materials, otherwise the newly graduated college students can only choose to pay the full amount if they want to buy a house in other places.
2, just work, parents must come forward to guarantee. Even if college students already have jobs and their hukou is new, the examination of college students' loan 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 students want to buy a house for their children while they are still studying, so that they don't have to move back to their hometown after graduation. 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.
4. However, some banks have introduced student housing loans, 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 length of the loan period is determined according to the age of the students.
The above content introduces the preferential policies for college students to buy a house and whether college students can borrow money to buy a house. College students have just come into contact with society and their jobs are not very stable. Buying a house with a loan will have certain repayment pressure. Therefore, college students should communicate with their parents more when buying a house. On the one hand, parents can give some advice on buying a house, on the other hand, they can also give financial support to ease the pressure of buying a house.