1. Do you need a guarantor for a single housing loan? Loan to buy a house requires a guarantor, but in general, the developer will directly guarantee the owner. Registration conditions: (1) a natural person with full capacity for civil conduct, aged between 18 years old (inclusive) and 65 years old (inclusive); (2) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; (3) Having a good credit record and willingness to repay; (four) a stable source of income and the ability to repay the principal and interest of the loan in full and on time; (five) the commercial housing sales (pre-sale) contract or letter of intent for the purchased housing; (6) Have the ability to pay the down payment of the purchased house; (7) Opening a personal settlement account in our bank; (eight) there is an effective guarantee recognized by the lender; (9) Other conditions stipulated by the bank. Article 187 of the Civil Code stipulates that after the damage occurs, the parties may negotiate the payment method of the compensation fee. If negotiation fails, the compensation fee shall be paid in one lump sum; If it is really difficult to pay in one lump sum, it can be paid by installments, but the infringed party has the right to request the corresponding guarantee. Second, the specific process of purchasing a new house in full: 1. First, collect all kinds of information about real estate projects through the media. 2. Through the comprehensive measurement and analysis of their own consumption demand, initially determine a housing purchase framework suitable for their actual needs, and then select and compare with the collected real estate information to determine several alternative projects. 3 through the collection of building materials, telephone consultation or friends familiar with the project, a preliminary understanding of alternative projects. 4. During the field trip of the project, you can invite some friends who know more about architecture and environment to go with you, which will be of great help in choosing a good house. 5. After selecting the project, before paying the deposit, consult the lawyers or knowledgeable friends in the real estate industry about the problems that should be paid attention to when signing the contract. If possible, hire a full-time real estate lawyer to handle it for you, so as to ensure that you will not be too passive in case of a dispute with the developer after buying a house. 6. After making the above preparations, go to the sales office to pay the deposit (during this period, pay attention to carefully check the "five certificates" and related documents provided by the developer). 7. Pay the goods according to the payment method agreed in the contract. 8. Within the prescribed time limit, the developer shall assist the local real estate transaction management department to handle the pre-sale contract registration procedures and pay stamp duty as required. 9. After the contract is registered, if you need to apply for a house purchase loan, you can start to apply for a mortgage loan. Specific measures can be consulted with relevant departments. 10. After the house is completed and accepted, the developer will provide the Notice of Occupancy and the Notice of repossession, and the sales department, the finance department and the management office of the property management company will gather at the site to handle the owner's occupancy formalities. Mortgage needs effective guarantee, which has nothing to do with whether you are single or not. Husband and wife loans to buy a house also need to provide guarantees recognized by the parties. So in practice, many developers are willing to provide guarantees for the owners of houses, but this is not absolute. If a guarantor is needed, the guarantor shall bear certain joint and several liabilities.

Do you need a guarantor for a single housing loan?

Usually. Single buyers need to add a guarantor if they want to apply for a mortgage, because the approver may feel that the risk is high or the borrower's income is unstable, and they need to provide relevant guarantees. If you can't find a guarantor, you can take the following solutions:

First, increase the down payment ratio according to the bank's approval requirements: provide as many asset certificates as possible, such as car deposits, bank running water, etc., and reflect to the developers to find a more suitable bank. For example, some banks may have an age limit, and those under 22 must add a guarantor. Some banks have looser policies and longer loan life, so the monthly payment will be lower, which is conducive to loan approval. Proof of income should be provided to large enterprises as far as possible to make the approver feel that the applicant's income is stable. The future is better. Legal basis:

Article 13 of the Guarantee Law, a guarantor and a creditor shall conclude a guarantee contract in writing. Article 14 A guarantor and a creditor may conclude a guarantee contract separately for a single main contract, or within the maximum amount of creditor's rights, they may conclude a guarantee contract for a loan contract or a commodity transaction contract that occurs continuously within a certain period of time. Article 15 A guarantee contract shall include the following contents: (1) The type and amount of the principal creditor's rights to be guaranteed; (2) The time limit for the debtor to perform the debt; (3) the method of guarantee; (4) the scope of guarantee; (5) Guarantee period; (six) other matters that both parties think need to be agreed.

Iii. The specific process of purchasing a new house in full: 1. First, collect all kinds of information about real estate projects through the media. 2. Through the comprehensive measurement and analysis of their own consumption demand, initially determine a housing purchase framework suitable for their actual needs, and then select and compare with the collected real estate information to determine several alternative projects. 3 through the collection of building materials, telephone consultation or friends familiar with the project, a preliminary understanding of alternative projects. 4. During the field trip of the project, you can invite some friends who know more about architecture and environment to go with you, which will be of great help in choosing a good house. 5. After selecting the project, before paying the deposit, consult the lawyers or knowledgeable friends in the real estate industry about the problems that should be paid attention to when signing the contract. If possible, hire a full-time real estate lawyer to handle it for you, so as to ensure that you will not be too passive in case of a dispute with the developer after buying a house. 6. After making the above preparations, go to the sales office to pay the deposit (during this period, pay attention to carefully check the "five certificates" and related documents provided by the developer). 7. Pay the goods according to the payment method agreed in the contract. 8. Within the prescribed time limit, the developer shall assist the local real estate transaction management department to handle the pre-sale contract registration procedures and pay stamp duty as required. 9. After the contract is registered, if you need to apply for a house purchase loan, you can start to apply for a mortgage loan. Specific measures can be consulted with relevant departments. 10. After the house is completed and accepted, the developer will provide the Notice of Occupancy and the Notice of repossession, and the sales department, the finance department and the management office of the property management company will gather at the site to handle the owner's occupancy formalities.

Fourth, the mortgage needs effective guarantee, which is not directly related to whether it is single or not. Husband and wife loans to buy a house also need to provide guarantees recognized by the parties. Therefore, in practice, many developers are willing to provide guarantees for housing owners, but this is not absolute. If a guarantor is needed, the guarantor shall bear certain joint and several liabilities.

Does a single provident fund loan need a guarantor to buy a house?

Single provident fund loans do not need a guarantor. The housing provident fund paid by employees and the housing provident fund paid by the unit where employees work are personal savings specially used for housing consumption expenses stored by employees according to regulations. Provident fund loans do not need a guarantor to buy a house.

Legal basis:

Regulations on the administration of housing provident fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.