If college students don't have a fixed job and a stable income, they can't buy a house with a loan in most cases. Mainly, the bank will evaluate your information in all aspects. If you don't have a regular job and a stable income, under normal circumstances, the bank will not choose to give you a loan to buy a house.
In today's society, house prices are getting higher and higher. Many young people choose to buy a house of their own through loans. It is difficult to buy a house in full. For many years, young people have also been very anxious about the house. When we are struggling in big cities, we all want to own a house of our own. So some college students want to borrow money to buy a house when they are at school, but under normal circumstances, college students are not allowed to borrow money to buy a house.
Of course, there are many college students with very good families in today's society, and many students go to school with loans. The bank will see that you have to borrow money even to go to college. Then you don't have a regular job and a stable income now. They won't dare to risk letting you borrow money to buy a house.
In fact, I personally think that as college students, we don't have to rush to buy a house. Of course, if we have enough ability to buy our own house, that's fine. But we don't have enough economic strength, so there is no need to borrow money to buy a house. For many people, mortgage is like a mountain, which makes them breathless. As young people, we should enjoy our present life and live the life that young people should live, without having to experience this pressure prematurely.
We can also wait until we come out to work in the society, work hard and earn money before buying a house, not too late. In short, under normal circumstances, college students have no stable jobs and no income, so it is difficult to borrow money from the bank and buy a house.
Second, how do college students apply for student loans?
How do college students apply for student loans? What are the methods? I sorted out the relevant information. Let's have a look!
Methods for college students to apply for student loans 1. First, the application materials must be submitted. After understanding the relevant policies, you need to prepare the corresponding loan application materials according to the regulations, mainly including ID card, household registration book, application form, proof of family economic status, etc. And then submit the prepared materials to the financial aid center of the school.
2. The school conducts a preliminary examination. After receiving the loan application materials provided by the students, the school financial aid center will conduct a preliminary examination of the relevant materials to see if the students meet the application conditions.
3. The bank conducts a review. After the preliminary examination, the school will transfer the relevant information to the loan bank, and the loan bank will review the loan qualification.
4. Sign a loan contract. After the bank has approved the applicant's information, it will notify the applicant to sign a loan contract and stipulate the repayment method and time limit.
5. Banks issue loans. After the loan contract is signed, the bank will issue the loan to the applicant as scheduled according to the contract.
6. Repay the loan in time after graduation. After the applicant finishes his studies, he needs to fulfill the repayment obligation according to the loan contract. After the loan is paid off, the loan contract is automatically terminated.
The conditions for applying for a student loan are 1, China people, nationality;
2. Be faithful to the law;
3. Freshmen who have been approved to set up full-time undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) to implement higher education according to the relevant provisions of the state, and who have obtained a true, legal and valid admission notice, or undergraduates, second bachelor degree students and graduate students studying in colleges and universities;
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district);
The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.
Third, how do students get loans?
Can't borrow money