An apartment can be loaned. The prerequisite must be the real estate license. The lender must meet the loan conditions, have a legal status, have a stable economic income, have the ability to repay the principal and interest of the loan, have no bad credit record, have a legal and effective house purchase contract, and other conditions stipulated by the loan bank. If you meet these conditions, you can apply for an apartment loan at the bank.

What should I pay attention to when buying an apartment?

1. Choose a brand developer: The quality of a house has a great relationship with the developer of the house. The quality of the houses built by brand developers is definitely superior, and the developers of big brands generally have good capital turnover ability. Such enterprises have a sense of responsibility and there will be no unfinished phenomenon.

2, it is recommended to choose a superior location: property buyers will definitely consider the location of the house when buying a house, so if you want to buy an apartment, it is recommended to choose an area with mature business circle and convenient transportation. On the one hand, it is easy to rent and the rent is guaranteed; On the other hand, because of the large appreciation space, it is conducive to other uses.

3. The level of property management determines the rental rate of houses: with the improvement of living standards, many people have requirements for their own quality of life. For the majority of owners, the quality of the property will definitely affect their quality of life, so the property is definitely an important existence in everyone's life, and the property quality of the community directly affects the price of the apartment. Buying a house must first ensure that the supporting facilities of the community are perfect, especially the commercial facilities. Secondly, the security measures in the community should be guaranteed, and the feedback from the owners should be handled quickly, so that your rent can be guaranteed.

4. Property right of the house: Whether buying a new house or a second-hand house or a house with different uses, property right is the most important. Without legal property rights, a house cannot be protected by law. According to relevant regulations, the nature of the right to use a house is the same as that of land, and the nature of commercial housing is only residential land, commercial land and industrial land. Buyers only need to check the land use column in the land use certificate of the property, and it is clear at a glance whether it is residential or commercial.