As a senior student who is about to enter the society, let me tell you whether college students can borrow money to buy a house.

First of all, college students can buy a house, but if they borrow money, they need to meet several conditions. The loan needs to be audited by the bank, and the information provided has proof of salary income. So if you want to buy a house with a loan, you need a guarantor, and the guarantor is usually made by your parents, and the income certificate provided is basically your parents', so at most it is in your name, and your parents pay for the house, so in the final analysis.

In addition, some areas are restricted to purchase. For example, people with non-local household registration are only allowed to buy one house. Can you buy a house around here? In addition to loans, audits also depend on other policy factors. In some areas, it is required to pay social security at least 1 year locally, and in some areas, it is required to pay social security for 2 years. I don't know where you are. You'd better check online to see if there are any restrictions in this regard. Buying a house is a big deal, and the money needed is not a little bit, so these things should be discussed with parents. After all, a family can only buy two or three sets at most, and there is no need to buy more.

In addition, the current national prevention and control is very strict, and the sales of houses have also shrunk dramatically recently. I suggest you read more books and ask more questions. If you really need it, you can start, but if you don't just need it, you have to wait for the opportunity. In addition, I suggest that you don't buy a house before you start working, because you don't know where you want to work. If we buy a house, we still have to help ourselves. If you have your own house and rent a house outside, I don't think it is necessary. If you want to invest, it is time for house prices to fall. I suggest you think carefully and only represent your own point of view.

In short, we must be cautious about buying a house with a loan, and we can't worry.

Can students apply for a loan to buy a house at school?

Students who meet the following conditions can apply for mortgage loans:

1, with full capacity for civil conduct and legal and valid identity documents;

2. Have the ability to repay the loan principal and interest;

3. Good credit status;

4. A legal and effective house sales contract has been signed, and the house purchased is for residential purposes;

5, there is no less than the minimum required proportion of the first payment certificate;

6. Set mortgage guarantee for the purchased house in principle;

7. Other conditions stipulated by the Agricultural Bank.

According to the regulations of the People's Bank of China, the loan interest rate can be lowered by 65,438+05% on the basis of the benchmark loan interest rate of the same grade in the same period. The loan interest rate can be locked by fixed interest rate, floating interest rate or fixed plus floating interest rate (mixed interest rate) to avoid repayment pressure caused by interest rate increase.

Extended data:

1, the bidding for this product needs to go through the business process.

Customers apply for non-transactional mortgage loans → banks conduct investigation and approval → sign loan contracts and handle phased guarantees → issue loans and repay the original loans in advance → handle mortgage registration change procedures → borrowers repay loan principal and interest according to the agreed repayment methods → handle loan settlement procedures.

2. When handling non-transaction refinancing, you can also pay off the loan from the original financial institution by self-financing, and the Agricultural Bank of China will issue a loan commitment letter to you, and you can release the loan after completing the mortgage registration-eliminating the formalities and expenses of phased guarantee.