First, the conditions for college students to buy a house with loans

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, just work, parents must come forward to guarantee.

Even if college students already have jobs, their hukou is newly settled, and 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 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 the regulations on college students' 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 longest loan period is determined according to the age of the students.

Second, what are the ways for college students to 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. At present, the mortgage loan application period can generally reach 10- 15 years, and 70% of the collateral can be loaned. Moreover, due to the tight quota, the general interest rate of bank mortgage loans needs to rise by 30%-50%. Compared with mortgage loan, the cost of mortgage loan is much higher.

2. The loan for buying a house with children was also cancelled.

If the child is still in school and has no financial resources, the purpose of buying a house for the child can be achieved through the joint loan of parents and children. However, this mode of operation will first crowd out one parent to buy a house, and can only be loaned in the form of a second suite. For children, they can only get part of the property rights of the house and must wait until the loan is paid off before they can be delisted.

Even if the parents' names are removed after the loan is paid off in the future, the corresponding taxes and fees for the transfer of real estate shares should be borne by means of transfer or gift. According to the existing policy, between immediate family members, if detailed proof of relatives is issued, they only need to pay the corresponding deed tax on the gift of real estate. At present, the deed tax is about 65438+ 0%-3% of the total house payment.

Third, the process of buying a house by loan

1, preliminary examination: from the management of housing provident fund

Can college students borrow money to buy a house just after graduation?

College graduates can borrow money to buy a house, but it is difficult for them to borrow money to buy a house. At present, many cities have introduced purchase restriction policies. Fresh graduates need to pay social security for one or two years if they want to borrow money to buy a house. The specific city time is different.

Fresh graduates still advise not to rush to borrow money to buy a house. First, because of unstable employment, there is not enough financial resources. Second, the loan pressure is great, and the psychological quality of the newly graduated college students is not so good.

The income of college students who have just joined the work is basically not high and their repayment ability is limited. This kind of college students will be more strict in buying a house. If new college students plan to buy a house, their parents must provide a guarantee, so that parents with higher incomes can become co-borrower and families can guarantee loans.

Some bank loan laws and regulations allow students above 18 and their parents to apply for personal housing loans from banks as co-borrower. After the loan, the parent company can be responsible for monthly repayment. The maximum term of the loan is determined according to the age of the students.

Buying a house with a loan is not that easy. You need to pay a certain amount of repayment every month. If you don't repay or delay repayment, you will be blacklisted by the bank.

How do newly graduated college students borrow money to buy a house?

To apply for a personal housing commercial loan in China Bank, the borrower shall meet the following conditions:

1) Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details;

2) Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

(3) A house purchase contract or agreement has been signed. 4) Must pay the down payment of the purchased house that meets the requirements of relevant regulations;

5) Provide effective guarantee recognized by the lender;

6) Other conditions stipulated by the lender.

Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

Can college students borrow money to buy a house?

Just meet the loan conditions.

If you want to borrow money to buy a house, you must provide proof of income to the bank. A person in charge of China Industrial and Commercial Bank Beijing Branch said: "When auditing users' income, the bank focuses on the domicile of the lender and whether there is a bad credit record. As for the issuer and specific figures of the income certificate, as long as they meet the requirements, banks usually do not conduct in-depth investigations.

If the loan is maliciously defaulted, the bank can take back the house mortgaged by the lender through legal channels. If we only look at the figures provided in the income certificate, we don't know how many times the number of people who pay personal income tax in China will turn a blind eye every year. "

Extended data:

1. Apply for a mortgage.

After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

3. Sign a mortgage contract

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.