No conditions, but the loan, the full amount is definitely appropriate.

Second, do you need a marriage certificate to buy a house with a loan?

Legal analysis: Married borrowers need marriage certificates to apply for housing loans. Loans; Proof of marital status; Personal credit certificate provided by the legal borrower's unit; Valid proof that the borrower has paid not less than 30% of the house purchase price; Proof of valid guarantee.

Under normal circumstances, as long as both parties need a loan to buy a house, they still need to get a marriage certificate first. Buying a house without a marriage certificate requires more attention to avoid unnecessary things in the future. Especially when two people buy a house with the same loan, they should pay more attention to writing one person's name.

Conditions for handling house purchase loan:

1. The borrower's valid ID card and household registration book;

2 proof of marital status, unmarried need to provide an unmarried book or divorce certificate (note

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate;

6. guarantor.

Legal basis: Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall submit the following documents to the registration authority for the registration of real estate mortgage: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) An application for mortgage registration; 4) State-owned land ownership certificate or real estate ownership certificate, and submit the house ownership certificate and other certificates that the owner agrees to mortgage; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.

Third, is it worth buying a house with a loan?

My idea is that it is worthwhile to spend your whole life buying a house that really belongs to you.

I have this idea because if I don't have a house and rent a house for a long time, my heart will never be stable. I always feel like I'm floating. Although this kind of life may also make you worry about food and clothing, the thought of a house will always make you feel miserable.

This is why many people choose to buy a house even with a loan. It turns out to be true. Many people bought a house with nothing at first, but it took ten or twenty years to pay off the loan bit by bit. When they have their own real house, they not only have a sense of security, but also a sense of accomplishment.

If you save enough salary before buying a house, your idea is out of date. I once had the idea of saving enough money to buy a house, but it was never enough. You saved enough money to buy a house before, but the house price has gone up again, and it will take many years to save. So if you plan to buy a house, you might as well get a loan to buy a house early. After paying off the loan, there is no pressure and you can enjoy life easily.