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

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 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. When I first started working, my 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.

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 length of the loan period is determined according to the age of the students.

3. Can I go to mortgage to buy a house after graduating from college?

Yes, mortgage to buy a house.

Fresh graduates can apply for loans to buy a house. However, there are certain conditions for banks to apply for mortgages. Borrowers can only apply for a loan to buy a house if they meet the conditions. The two most important things are enough down payment and a stable job with solvency. Freshly graduated college students generally do not have enough funds to pay the down payment, so the possibility of successful loan approval is relatively low.

However, if the graduates pay enough down payment, their income can be used to repay the mortgage. At present, they can still borrow money to buy a house after their work units have been working for half a year and their bank cards have been flowing for nearly half a year.

4. Can newly graduated college students still apply for a mortgage with a student loan?

You can apply, and the bank will consider your new mortgage comprehensively.