As of 202 1, 12, you can buy a house with a loan. As long as you meet the corresponding loan conditions, you can apply to the bank for a house loan.

According to Article 5 of the Measures for the Administration of Individual Housing Loans, the borrower shall meet the following conditions at the same time:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.

Other provisions on housing loans.

"Measures for the Administration of Individual Housing Loans" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

Article 8 The loan amount issued by the lender shall not exceed the value of the house purchased by the real estate appraisal agency.

The above contents refer to Liuzhou Municipal Government-China People's Bank's Measures for the Administration of Individual Housing Loans.

Can I borrow money to buy a house?

You can get a loan to buy a house. Buying a house by loan means that the purchaser fills in the relevant application for mortgage loan from the bank, and provides the legal documents that must be submitted according to the regulations, such as ID card, income certificate, house sales contract, letter of guarantee, etc. After the approval of the bank, they can promise to issue relevant loans to the buyers, and then handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract signed between the bank and the buyers. At the same time, the bank needs to directly transfer the funds of home buyers' loans within the time limit stipulated in the contract. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can I still borrow money to buy a house this year?

Yes, I can. Legal basis: Article 196 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 197 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.

Can't I get a loan to buy a house

Legal analysis: The reasons for not being able to buy a house with a loan are different, and the solutions are also different, specifically: 1. The amount of provident fund loans is not enough. In this case, lenders can take the form of portfolio loans, namely commercial loans and provident fund loans. The interest rate of such loans will be lower than that of pure commercial loans. 2. The income and working conditions do not meet the requirements of the bank. In this case, the lender can add a qualified guarantor to guarantee himself, so as to increase the chances of bank loans. 3. Personal credit has a bad record. In this case, users need to repay on time and maintain good credit consumption habits, which can be eliminated after five years.

Legal basis: Article 156 of the Criminal Law of People's Republic of China (PRC) conspires with smuggling criminals to provide them with loans, funds, account numbers, invoices and certificates, or to provide them with transportation, storage, mailing or other convenient conditions, and shall be punished as * * * committing smuggling.

Can I buy a house with a full loan?

Can I buy a house with a full loan?

Full loan can't buy a house. According to the current national housing policy, buyers now have to pay 30% down payment, and the rest of the house is loaned to the bank. Banks also do this to reduce risks. Developers will propose a zero down payment policy, that is, buyers can pay down payment first, and developers will pay down payment in one year or several months.

What should I pay attention to when buying a house with a loan?

1, it is best to do what you can.

Buying a house costs a lot of money, so you must do what you can, consider how big and how much to buy, and don't put too much pressure on your life to buy a house.

2. Give priority to provident fund loans.

Now that house prices are rising, the mortgage interest rate is raised, so for buyers, the pressure to buy a house is increasing. Therefore, Bian Xiao suggested that buyers can consider using provident fund loans when lending, which can reduce interest. However, before using the provident fund loan, you must first understand whether the property can use the provident fund loan to avoid trouble.

3. Prepare loan application materials in advance.

When applying for a loan, the lender needs to prepare a lot of materials, and many people can't get a loan because of material problems. Therefore, property buyers should know the mortgage application situation from the loan bank in advance and prepare the loan application materials in advance to avoid causing trouble to the loan.

4. Ask the bank for help when there is no money to repay the loan.

The loan time is usually 15-20 years, so the repayment time is very long. Therefore, if there is insufficient funds in the long repayment process, you may wish to ask the bank for help and apply for deferred repayment. The bank may delay the repayment period through your application.

5. Keep personal credit information good.

At present, bank loans are relatively strict. The first thing to look at when lending is personal credit information, so you must ensure that your credit information is good. If the lender's credit information is flawed, the bank will refuse the home buyer's loan, and even if it agrees to the loan, it will raise the loan interest rate and the down payment ratio.