First, 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.

Second, just after the job is settled, parents must come forward to guarantee.

Even if college students already have jobs, their hukou is newly settled, and the review of college students' loans 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.

Third, college students 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.

Related knowledge supplement:

1. What are the ways for college students to buy a house with loans?

1. Parents apply for a loan with their son's property as collateral.

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 joint housing loan with children was also cancelled.

If the child is still in school and has no part-time income source, the purpose of buying a house for the child can be realized 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.

3. Even if the parents' names are removed after the loan is paid off in the future, the taxes and fees for the transfer of the corresponding property share 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.

Second, the process of buying a house by loan.

1. Preliminary review: the housing fund management center conducts a preliminary review of 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. Affordable housing does not need to be evaluated.

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. To handle the guarantee formalities, the applicant shall handle the guarantee formalities according to the guarantee method of his choice with the "Notice of Investigation on Entrusted Guaranteed Loans" issued by the Housing Provident Fund Management Center. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract.

6 housing fund management center and the entrusted bank signed an entrusted loan agreement.

7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.

8. The housing fund management center examines and approves the amount, term and interest rate of each loan, and signs a loan contract with the entrusted bank.

9. In accordance with the entrusted loan contract, the trustee shall go through the loan formalities after signing 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 with the borrower respectively.