After divorce, you need to provide a divorce certificate to buy a house. Other information is the same as when you divorce. The following materials are required for the house purchase loan: extension materials:

Conditions and procedures in mortgage loans, people are most concerned about conditions and procedures. I. Information to be provided for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy. First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest. After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him. Loan method Loan amount x down payment amount = monthly repayment There are two loan methods: generally divided into: average capital and equal principal and interest! Equal principal and interest: it means that the monthly interest repayment amount remains unchanged! Generally called equal repayment! Average capital: it means paying the principal first and then the interest! Generally called diminishing repayment! For example: 30X64.23= 1926.6 (equal principal and interest) 30X83.24=2497.2 (average capital) housing loan interest = repayment times per installment-total loan amount.

Second, what documents do you need to buy a house after divorce?

1. What documents do I need to buy a house after divorce? 1, household registration book 2, ID card 3, income certificate (model provided by the loan bank) 4. Payroll card or income bank card running bill must be stamped by the bank! 5. academic certificate 6. Certificate of the first suite (issued at the county real estate trading center where the real estate is purchased and sold) 7. No loan certificate. Non-local accounts need to apply for temporary residence permits or temporary residence permits. 2. Conditions for single people to buy a house 1. Property buyers must have valid ID cards and household registration books. 2. Non-local hukou, you can buy a house in Guangzhou as a family, and you must provide social security or tax bills for three consecutive years (36 months) within five years; 3. Whether it is a new house or a second-hand house, buyers with foreign accounts can only buy one set; 4. Buyers must have a down payment of 30% of the total purchase price; 5. Family members of property buyers must have no purchase records in other places; 6. If the property buyer has bought a house in other places before, he must make a down payment of 70% according to the provisions of the second suite, but if the loan for the first suite has been settled, it can still be implemented according to the provisions of the first suite; 7. Buyers must have good credit, stable income and certain repayment ability; 8. Other conditions stipulated by relevant departments. Third, what problems should I pay attention to when buying a house? (1) Asking about the legality of commercial housing When buying a house, buyers should pay attention to the legality of buying a house. If you buy a house blindly, it is likely to bring many difficult problems to your later life. Therefore, when buying a house, we should pay attention to the "five kinds of houses" and check the "five certificates" and "two books" that the director should have when selling commercial houses. "Five Certificates": First, houses built illegally or illegally; Second, the right to use the house cannot be bought or sold, and the house has property rights or the property rights are unclear; Third, religious buildings such as churches and temples; Fourth, houses that need to be protected, such as famous buildings or cultural relics; Fifth, houses that have been requisitioned or confirmed within the scope of national construction. The "five certificates" are state-owned land use certificate, construction land planning permit, construction project planning permit, construction project construction permit, commercial housing pre-sale permit or commercial housing sales permit. The "two books" are: residential quality guarantee; Instructions for residential use. (ii) Conduct field surveys. After purchasing materials and looking at some certificates, buyers have to make field trips. They can't believe it just by the introduction of real estate developers, but what they see is what they believe. Property buyers must look at the house comprehensively and carefully. When inspecting the interior of the house, we should carefully check the building area, usable area, building quality, decoration standard and quality, whether the ancillary equipment of the house is complete, how the sound insulation effect of the room is, whether the ceiling, walls, floors, doors and windows are damaged, and whether the internal design is reasonable. When checking the appearance of the house, we should pay attention to the location, orientation, appearance, stairs, elevators, corridors and other places of the house. In addition, we should also understand and inspect the outdoor landscape, surrounding environment, traffic conditions and the setting of various supporting facilities. (III) Signing a good house sales contract When signing the contract, the purchaser must insist on using the normative text of the "Commercial House Sales Contract" recognized by the state (the local industrial and commercial department has it), and do not use the contract text unilaterally formulated by the real estate developer to prevent contract fraud. The last step of the procedure is the transfer registration of housing property rights, including the property right certificate of housing land. At this point, the whole process of buying a house can be over. Generally speaking, you need to borrow some money from the bank to buy a house. How to borrow money? How much can I borrow? What about the interest rate? First of all, you should go to your familiar bank loan department to find out about borrowing money. According to your income, you can determine how many houses you can afford by looking at how many loans the bank can borrow and adding your own savings. It is best to get the loan agreement from the bank. Especially when arranging monthly repayment, you must choose a suitable and affordable repayment plan according to your family's actual economic ability. Some friends regard the income of the rental part of the house as the source of income, so we must consider the vacancy rate (risk) of the house to avoid financial difficulties. If marriage has an impact on buying a house, the key is that in some places, people from other places may have to get married to buy a house. As long as there is no real estate and no loan after divorce, there is nothing to worry about. Sometimes, although there is no real estate under the name of divorce, it is impossible to borrow money to buy a house after divorce.