You can still get a loan to buy a house. As long as the lender meets the relevant conditions for the loan, you can buy a house through a loan. There are three main ways to buy a house with loans, namely commercial loans, provident fund loans and combination loans. Generally, commercial loan conditions are relatively simple, but provident fund loans have more discounts, and combination loans have a higher loan limit, but the loan procedures are relatively troublesome.

House purchase loan conditions

1. Commercial loan house purchase conditions

(1) Natural persons aged 18-65 years old.

(2) Use more than 30 RMB of the total amount of the purchased house as down payment (the down payment ratio is based on the standard for the first and second homes, and is generally calculated based on the ratio of 30 RMB down payment for the first home).

(3) Have a stable job and be able to provide proof of income stamped by the workplace and bank statements for the past six months (monthly income is greater than twice the monthly payment).

(4) If the credit is good, if the number of overdue loans reaches six times three times in a row, the bank will refuse the loan.

2. Conditions for housing provident fund loans to buy a house

(1) The applicant and the same applicant who participate in the calculation of the provident fund loan loan limit must be in this city on time and in full continuously before the month of application. If the housing provident fund has been paid in full for 6 months or more, the provident fund account is in the normal payment status at the time of application (accounts that are sealed, frozen or canceled are in the abnormal payment status). All loan applicants must have the ability to repay the principal and interest of the loan, and have good credit status;

(2) The applicant, *** and the applicant have not incurred provident fund loans in this city or have paid off provident fund loans; apply If one parent of a person is a co-applicant, the other parent should also have no provident fund loans in this city or have paid off the provident fund loans;

(3) The applicant has paid the down payment for the house purchase in accordance with regulations ;

(4) The applicant agrees to provide a guarantee that meets the requirements of these regulations;

(5) The loan application complies with the national, provincial and municipal real estate market management policy requirements;

(6) Meet other conditions specified by the Provident Fund Management Committee.