2. Parents are not required to participate in the loan. If they participate in the loan, they have to write their names on the real estate license, which is not good for your rights and responsibilities;
3, you buy a house is the first set, you are an adult, you can buy a house alone, and have several suites with your parents. It doesn't matter if you have a loan.
If you get married, you can get the same loan as your husband and wife.
For example, Xiao Wang and Xiao Li are husband and wife. Xiao Wang earns 8,000 yuan a month, Xiao Li 5,000 yuan a month, and buys a house for 5,000 yuan a month. If Xiao Wang wants to pass the examination and approval smoothly, he must provide proof of income above 1 10,000 yuan. Obviously, I can't think of it. But as long as this time, Xiao Wang and Xiao Li choose the same loan, it meets the requirements! It should be noted that the younger party with higher income, as the main lender, is helpful for banks to approve loans.
5. If you are unmarried, you can consider secured loans or cooperative loans;
"Heli Loan" refers to a housing credit product with children as the owner of the purchased house and their parents as the same borrower. This method is not available in all banks, and some banks have stopped. So if necessary, consult the bank first to see if it is feasible.