Now many young people will use their savings to buy their own houses after saving for several years. In order to alleviate the economic pressure, most friends will choose mortgage loans to buy a house. What are the requirements for a single housing loan? Let's study with Bian Xiao. What are the conditions for a single housing loan? RNRNRN RN 1。 When applying for a house loan, singles need to provide their identity certificate, unmarried certificate, household registration book, income certificate, bank account, etc. He/she also needs to open a deposit account in the loan bank, and the balance in the account cannot be less than 30% of the total purchase price. Rnrnrn2。 Lenders need to provide valid proof documents such as purchase contracts and agreements. Lenders need to agree to mortgage the house under the house purchase contract. The lender is willing to perform all the terms in the loan contract. Rnrnrnrn3。 If a single person has a stable income and a running water in the bank, he can provide running water every month, and the monthly income on the income certificate needs to be twice as much as the monthly payment. In addition, the credit cannot be overdue. Under normal circumstances, the loan bank requires that it cannot be overdue for three consecutive times within two years, with a total of six times, and all of them are based on families. Rnrnrn4。 After applying for a loan, a single person needs to be audited by the loan bank, and at the same time, the loan amount, loan term and monthly payment need to be determined. Then you can sign a loan contract with the loan bank, and the loan bank can act as an insurance agent. Rnrnrnrn5 5。 Singles also need to go through mortgage registration, notarization and other procedures. After the formalities are completed, they only need to wait for the loan from the loan bank, and then singles can make monthly repayment according to the loan contract. Rnrnrn6。 After the loan principal and interest are paid off, the single person can go through the formalities of cancellation of mortgage registration, and then the house is a complete single person. Rnrnrnrn singles who want to apply for a mortgage loan to buy a house need to meet certain conditions, so they should go to the relevant departments to understand the specific situation and prepare the relevant materials before handling it. The above is a detailed introduction of what conditions are needed for single-family housing loans, hoping to help everyone.

I am single now, can I get a loan to buy a house?

Singles can borrow money to buy a house. Single housing loans need to provide ID cards, household registration books, proof of unmarried income, housing purchase agreements, down payment, etc. The only difference is that unmarried people need to provide unmarried proof and guarantor guarantee and guarantor information.

1. The process of buying a house includes preparing to buy a house, selecting a house, seeing the house on the spot, negotiating and signing a sales contract, handling a loan, and handling the transfer of property rights.

Second, the name of the original seller should be changed to the name of the new buyer. Relevant materials need to be prepared under the guidance of the intermediary company, and then the warrant personnel will assist in the formalities of property right transfer. Generally speaking, choosing a house should consider whether to buy a house from six aspects. Six aspects include: location, price, surrounding municipal planning, environmental support, housing structure and orientation, and property management.

What are the procedures and conditions for a single loan to buy a house?

A single loan to buy a house requires the following conditions:

1, with urban permanent residence or valid residence status;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. There is a purchase contract or agreement;

4. If there is no housing subsidy, not less than 30% of the total price of the purchased house shall be used as the down payment for the purchase; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

6. Other conditions stipulated by the lender.

When making a loan, you need to provide the following procedures:

1. Identity documents (referring to valid residence documents such as resident identity cards and household registration books);

2 proof of the borrower's family's stable economic income;

3. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;

4. List of collateral or pledge, proof of ownership and proof that the person with the right to dispose agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

5. To apply for a housing provident fund loan, a certificate issued by the housing provident fund management department is required;

6. Other documents or materials required by the lender.

Extended data:

"Measures for the Administration of Individual Housing Loans" Article 11 The borrower shall work out a repayment plan with the loan bank. If the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly.

Article 12 The interest rate of individual housing loans issued by credit funds shall be lowered (excluding floating) according to the legal loan interest rate. That is, if the loan term is less than 1 year (including 1 year), the legal loan interest rate of less than half a year (including half a year) shall be implemented; If the term is 1 to 3 years (including 3 years), the legal loan interest rate of 6 months to 1 year (including 1 year) shall be implemented;

If the term is 3 to 5 years (including 5 years), the legal loan interest rate 1 to 3 years (including 3 years) shall be implemented; If the term is 5 to 10 years (including 10 years), the legal loan interest rate shall be implemented for 3 to 5 years (including 5 years); If the term is more than 10 year, it will rise appropriately on the basis of the legal loan interest rate of 3 to 5 years (including 5 years), and the maximum floating rate will not exceed 5%.