According to the housing policy for college students in Hangzhou, college students with local household registration in Hangzhou can buy houses directly. However, because college students are not yet employed, they usually need a third-party guarantee when applying for a house loan. 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.

Can college students borrow money to buy a house?

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.

3. College students need the income certificate issued by the company to apply for a loan before they can approve the mortgage. After meeting the requirements, 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.

4. 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.

5. 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.