Bring your ID card and bank account number to the intended loan bank for loan qualification examination. Banks will decide whether they are eligible for loans and how much they can borrow according to their credit history, bank flow and liabilities. The payment method of house purchase is divided into full payment and loan. Loans are generally divided into three types: provident fund loans, commercial loans and portfolio loans.

What are the conditions for buying a house loan?

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee;

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

How to buy a house if it does not meet the loan conditions

1, the information is fully prepared and then apply to the bank. Some property buyers are worried that the loan amount is not high because of their low income, so they think of submitting false information. However, if the bank finds out, it will definitely refuse the loan and may be included in the "blacklist". However, if you apply for a mortgage in the same bank, you usually have to wait a while before you can apply again.

2. Find a loan agent. You can find a guarantee company to guarantee before applying for a loan, which can increase the possibility of obtaining a loan.

3.try another bank. Banks have different regulations on loan conditions. If you are refused a loan in one bank, you can try again in another bank.

4. Looking for a loan company, looking for a loan from a loan company will lower the loan threshold and increase the possibility of loan.

5. Increase the down payment for house purchase, reduce the loan application amount, prepare all materials, and then apply for a loan from the bank. If the bank still disagrees, you can apply for a loan from a guarantee company. If you submit the materials through a professional loan intermediary, it will often lower the loan threshold and may also increase the chances of loan approval.