You can apply for a loan to buy a house in another place. If the house purchased is a commercial house, the developer will assist in the whole process of buying a house with a loan from a different place. If you buy a second-hand house, you can find an intermediary to handle related business. According to the national regulations, the service fee will not exceed that of 600 yuan. You can also go to a convenient bank for consultation and go through the formalities. When the lender issues the corresponding loan, the borrower must provide some effective guarantees, which can be mortgaged, pledged or guaranteed separately, or can use the above three guarantees at the same time. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

Conditions for buying a house with a loan from a different place

1. Buyers must fully understand the local housing policy before buying a house. Now, due to the influence of the property market regulation, many cities have strict policies on the purchase of houses with foreign household registration, such as the limitation of social security payment years and various proof materials, so we must consider buying a house after we have a clear understanding.

2. No matter where you buy a house, the bank's loan application for buyers will have requirements on whether the work and income are stable and the reputation is good, so these are strict for buyers in different places. When a bank approves a loan, it usually depends on whether your monthly running water and income certificate are twice your monthly payment. If your monthly payment is 1 10,000 yuan, then your monthly income is more than 20,000 yuan. If you are married, the bank depends on the income of both husband and wife.

3. The buyer has complete information.

(1) Proof that can prove the identity of the purchaser, such as the original and photocopy of the ID card. Singles provide the original single certificate, and married people provide the original and copy of marriage certificate.

(2) The original and photocopy of the household registration book must have a home page, a household home page and a personal page.

(3) Certificates of stable income and good reputation issued by relevant units.

(4) Other materials required by relevant departments.

Buyers need to have a very comprehensive understanding of the policies and requirements of local bank loans. When carrying, they should take all the materials with them to avoid taking uneven materials back and forth.

Generally, when applying for a loan, the bank will use the purchased house as collateral, but some cities need a guarantor in addition to this mortgage. Only when the information is complete, the credit information and income pass the examination, the collateral is valid, and the guarantor agrees to pass the letter of commitment will the bank lend.