1. College students with foreign hukou must provide tax payment certificates or social security certificates. Banks require borrowers to provide tax payment certificates or social security payment certificates for more than one year before issuing housing loans. Therefore, college students with foreign hukou must provide the above proof materials, otherwise they can only pay the full amount if they want to buy a house in the field.
2. When you first enter the job, your parents must come forward to guarantee. Even if college students already have jobs, their registered permanent residence is newly settled, and the examination of college students with loans to buy a house will be relatively strict. Mainly because college students who have just joined the work have low income and limited repayment ability.
3. Undergraduates who haven't graduated can't apply for loans when buying a house. Although college students are registered in this city, they can't become the main body of loans because they have no job and no income at present. It is also not feasible for 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.
Second, the way college students buy a house with loans
1. Parents apply for a loan to mortgage their son's property. If the lender/kloc-is over 0/8 years old, the property can be mortgaged in the name of parents. The mortgage loan application period can generally reach 10- 15 years, and the loan amount can reach 70% of the collateral. However, due to the tight quota, the mortgage interest rate of banks generally needs to rise by 30%-50%.
2. The loan for buying a house together with children was also cancelled. If the child is still in school and has no other source of income, the purpose of buying a house for the child can be achieved through the joint loan of parents and children. However, this method will occupy the place where parents buy a house, and they can only borrow money in the form of a second suite. For children, only part of the property can be obtained, and they must wait until the loan is paid off before moving out.
Third, the process of buying a house by loan
1. preliminary examination: the housing provident fund management center conducts preliminary examination on the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house.
3. Review: The applicant will go to the center to review the loan with the materials issued by the evaluation agency and the preliminary examination materials required by the center. After passing the examination, the center issued the Notice of Guarantee Investigation of Housing Fund Management Center.
4. Handling guarantee procedures: The applicant shall handle the guarantee procedures according to the selected guarantee method with the Notice of Investigation on Entrusted Guaranteed Loans issued by the Housing Provident Fund Management Center.
5. Sign a loan contract.
6, housing fund management center and the entrusted bank signed a loan agreement.
7, the borrower directly to the housing fund management center to apply for loans, the trustee can collect the borrower's application materials, unified housing fund management center for approval.
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
9. According to the entrusted loan contract, the entrusted bank and the borrower respectively signed the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan, and went through the loan procedures.
10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.