Of course. After divorce, you need to provide a divorce certificate to buy a house with a loan, and other information is the same as when you divorce. Housing loans need to provide the following materials:

1. The borrower's valid identity document (resident identity card, household registration certificate or other identity documents)

2 proof of the borrower's economic income or repayment ability.

3 proof of the borrower's application for loan purposes, including legal house purchase (construction, overhaul) contracts, agreements and/or other approval documents.

4. List of mortgage or pledge rights, certificate of ownership, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and mortgage evaluation report issued by an evaluation agency recognized by the borrower.

5. The guarantor agrees to a written certificate as a guarantee, and the guarantor's credit certificate.

6, the borrower used to buy (construction, overhaul) residential self-financing related documents.

7. Other documents and materials required by the residential borrower.

8. Other materials required for different loan purposes.

Legal basis:

"Interim Measures for Personal Loans" Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

People's Republic of China (PRC) Commercial Bank Law

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

Can I borrow money to buy a house after divorce?

Divorce can be a loan to buy a house. For mortgage applicants divorced within one year, commercial banks should refer to the second home loan credit policy; Apply for housing provident fund loans, according to two sets of housing provident fund loan policies. In other words, even if the purchaser has owned the property under his name to the other party during the divorce process, and there is no loan record, it will still be regarded as a second suite. The down payment ratio for ordinary self-occupied houses is not less than 60%, and the down payment ratio for non-ordinary self-occupied houses is not less than 80%. The mortgage interest rate is 1. 1 times of the benchmark interest rate. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can I borrow money to buy a house immediately after divorce?

Of course. Buying a house after divorce is not limited. You can buy a house just after divorce. However, buying a house will be paid in full soon. No matter what your marital status is now, you can buy a house. The country can't buy a house without laws. However, when buying a house, it is best to deal with the marital status first, because if you are not careful, it may become the joint property of both husband and wife, so be sure to get a divorce certificate, so that the house you are buying now belongs to you. Article 1087th of the Civil Code of People's Republic of China (PRC) stipulates that in case of divorce, the joint property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment according to the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law.

Can I borrow money to buy a house after divorce?

Whether you can get a loan to buy a house immediately after divorce depends on the relevant regulations of the bank: under normal circumstances, the real estate management department has no special requirements for buying a house after divorce, so it is enough to clearly divide the property after marriage and clarify the real estate situation under its name. After the divorce, there is no real estate in your name. Buying a house should be considered as the first set and you are eligible to buy a house. ; But since we want to buy a house through a loan, we need to look at the relevant policies of the bank. At present, many banks have issued a policy that divorcees apply for the first home loan, and they must divorce for 1 year before they can lend money, so as to plug the loophole of "suspected fake divorce to buy a house", that is, at the time of bank review, borrowers whose husband and wife have real estate during their marriage relationship must divorce for 1 year before they can meet the first home loan standard. Or ask for a divorce for more than 3 months before applying for a mortgage. Therefore, it is recommended to consult the local bank directly to confirm whether you are eligible for immediate loan to buy a house.

Can I borrow money to buy a house after divorce?

In real life, because many people have incomplete legal knowledge, they may have some unnecessary doubts about many problems. For example, it is obviously possible to buy a house with a loan after divorce. As long as you meet the conditions of the loan, you can borrow money to buy a house. Whether a husband and wife are divorced or not is not necessarily related to the loan to buy a house, and will not affect each other. Materials to be provided for mortgage loan: 1, ID card of applicant and spouse, original and photocopy of household registration book (if applicant and spouse are not registered in the same household, proof of marriage relationship shall be attached; If you are single, you need to provide a single certificate). 2. The original purchase agreement. 3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. 5. The developer's collection account number is 1 copy. What does fake divorce mean to buy a house? In the context of financial austerity, it is even more difficult for citizens to buy a second suite. Some people use their brains, such as couples pretending to divorce, or using fake divorce certificates to cheat to buy a second suite. The lawyer reminded that if you cheat to buy the first suite with a fake divorce certificate, you may face a double blow of manpower and financial resources, not only to compensate the developer, but also to provoke the official into the classroom. False divorce means that one or both of the husband and wife have no real intention of divorce, but they file for divorce because of the collusion or fraud of the other party. Fake divorce includes two situations: one is conspiracy divorce. The second is fraudulent divorce. Collusion divorce refers to the divorce behavior that both parties conspire to divorce temporarily for the same or their own purposes, and then remarry after the purpose is achieved. Although the fake divorce has fulfilled the divorce procedures, it lacks the conditions for divorce. So the effect of fake divorce should be divided into the following two situations: 1. If the parties to a fake divorce do not marry a third person, their divorce can be declared invalid. 2. If one or both parties to a fake divorce have married a third person, it shall be deemed that their remarriage is valid. At this point, the claim of the fake divorce party to declare the fake divorce invalid is eliminated, and the original fake divorce takes legal effect. To sum up, can I borrow money to buy a house after divorce? We can know that buying a house is not necessarily related to whether a couple is divorced. The laws of our country do not stipulate that you can't get a loan to buy a house after divorce. Even you can buy it immediately after divorce, as long as you have certain economic strength, and then you can bring the relevant documents when you buy a house.