I want to buy a house, but I don’t have enough down payment, so I want my parents to take out a loan for the down payment, and I will take out a mortgage. Is this okay~?

Write your and your parents’ names on the real estate certificate and the house purchase contract. This method of yours works! Without their name, only your personal name, they can't get the loan! Unless you mortgage your existing property. Give you a down payment and you pay the mortgage. After that, they go and pay off their loans! How to get a bank loan if the down payment is not enough? Try these methods!

Nowadays, when applying for bank loans such as housing loans and car loans, you need to pay a certain percentage of down payment before you can get the loan. If you can't come up with enough down payment, it will be more difficult to get a loan. So how can I get a bank loan if I don’t have enough down payment? The situations of car loans and home loans are different, so we will introduce them separately here.

How to get a bank loan if the down payment is not enough? 1. Mortgage If the down payment of the mortgage is not enough, you can transfer money through your parents, but borrowing money from relatives and friends is not possible. The key is that parents need to provide debit card statements when transferring money, proving that it is a reasonable income. After all, many people ask their parents to borrow money for the down payment. However, mortgage loans strictly require that the down payment must be the family's own funds and cannot be obtained through borrowing or other means. In order to prevent consumer loans from flowing into the property market, banks will verify the down payment. Therefore, even if the lender does not lend money himself, it is not acceptable to borrow money in the name of others. As long as it is found that there are words such as loans and intermediary transfers in the past 6 months, it will be suspected of being a down payment loan, and it must be settled before applying for a mortgage. 2. Car loans Car loans do not strictly require that the down payment must be your own funds. After all, car loans only need to provide a down payment certificate, and generally the source of the down payment funds will not be verified. Therefore, if you don’t have enough down payment for a car loan, you can borrow money to make up for it. You can also borrow money from relatives and friends, get a loan, or use a credit card. However, it should be noted that if the down payment for a car loan is made up of loans or credit cards, it will affect the approval rate to some extent. After all, loan and credit card usage records will be included in the credit report. If the amount is too large, it will affect the assessment of repayment ability. Even if the repayment ability is not strong, even if you collect enough down payment, you may be rejected. The above is the relevant introduction to "How to get a bank loan if the down payment is not enough". I hope it will be helpful to everyone. What should I do if I don’t have enough down payment to buy a house? 4 tips to help you solve it!

Buying a house costs a lot of money, and even a loan requires a part of the down payment. If you can't even come up with the entire down payment and still want to buy a house, you have to find a way. There are ways around this that can make your dream of having a home a reality. So what should you do if you don’t have enough down payment to buy a house? I will tell you in detail below, let’s take a look!

Buying a house requires a large sum of money, and even a loan requires a part of the down payment. If you can't even come up with the entire down payment and still want to buy a house, you have to find a way. There are some solutions that can be taken to realize your dream of owning a home. So what should you do if you don’t have enough down payment to buy a house? I will explain it to you in detail below. Come and follow me and take a look!

What should I do if I don’t have enough down payment to buy a house? ?

If you don’t have enough down payment to buy a house, you can borrow money from relatives and friends. If you are a young person buying a house, you can directly seek funding from your parents, apply for a reasonable credit loan, and liquidate the securities held by you.

Ask relatives and friends to borrow money

If you don’t have enough funds to buy a house, you can ask relatives and friends to borrow money to relieve temporary pressure. Chinese people have always had a strong sense of family and friendship, and relatives and friends often help each other financially. Buying a house is a major life event, and if your relatives and friends are willing to support it, it’s a no-brainer. If you are short of money for the down payment, take the initiative to borrow from relatives and friends! Of course, when borrowing money from relatives and friends, you must reasonably assess the financial ability of the other party, sign a formal loan receipt, and repay the loan on time. In this way, the emotions between relatives and friends will not be damaged due to financial reasons.

If you are a young person buying a house, you can also directly seek funding from your parents.

Young people still have to rely on their parents to buy a house. After all, they have to work hard for many years based on their own abilities. It is a reality that young people have just entered society and lack economic strength.

If you buy a house at this time, aging may be an unavoidable situation. If your parents are in a good financial situation and have a sum of idle funds that cannot be used temporarily. You can ask your parents for help. If you lend money to yourself, you will also need to issue an IOU, and the interest will be calculated according to the bank. This also puts pressure on yourself. When young people buy a house, they shouldn’t really gnaw on their old age when it comes to funds. It’s more convenient to just turn around their parents’ money and use it, and then return it to their parents in a timely manner.

Apply for a credit loan reasonably

Today’s society is a society that pays attention to credit. If you have a good credit friend, there are many things that you cannot do. If the individual has a stable job and good credit. You can apply for a credit loan to make up for the lack of down payment. With the development of the financial industry in recent years, banks' credit loan business is doing well. The difficulty of applying has become much easier. If an individual's salary is distributed by a bank and his career is good, the credit loan amount he can apply for is basically equivalent to five to ten times his monthly income, which is also a lot of money. This method is suitable for people with higher incomes, because after buying a house, you not only have to repay the mortgage loan, but also the credit loan, and the later repayment pressure is relatively high.

Liquidate the securities held by yourself

If you have the habit of buying some securities, and you don’t have enough funds to pay the down payment when buying a house, you can put some securities into cash Realize. If you buy fund stocks, paper, gold, etc. on weekdays, you might as well liquidate these securities to offset the down payment. Although you may lose some money if you rush to cash out, this is a way to do it if you can't borrow money. In fact, if you think about it from a financial perspective, the securities held by individuals are liquidated. There is also the option of taking out a mortgage instead of selling it, which may be a better way to liquidate it, especially if the amount of marketable securities held by an individual is relatively large.

Buying a house and having a home is the dream of many people, and how many people have been working hard for this dream for many years. Although some people do not have sufficient funds, they can still think of some ways to buy a house. There is always a way, and there are always more ways than difficulties. Okay, that’s all for you about what to do if you don’t have enough down payment to buy a house. I hope it can help you! If I don’t have the qualifications to buy a car in installments, can I use my parents’ loan?

Yes, it also depends on your parents’ income. If your income is relatively stable, you can get a loan

To apply for a car loan, you need a real estate certificate, but you can get a loan if your name is your parents; Parents need to be the loan guarantor and sign a guarantee agreement before the real estate certificate can be used to help complete the loan.

1. Banks require customers to provide real estate certificates mainly to verify their repayment ability. If there are other proofs of repayment ability that can be recognized by the bank, it is naturally not necessary to provide real estate certificates;

2. For ordinary people, a general real estate certificate is the best qualification certificate;

3. Teachers, civil servants, employees of public institutions, etc. can obtain special approval;

4. Some banks accept guarantees from guarantors, but the guarantors need to provide real estate certificates, bank statements, social security and provident fund related certificates and other materials

1: What is installment car purchase?

Instalment payment for car purchases means that the user divides the money into several installments and pays the money in batches every month. Installment payment is a hot topic in the current automobile market. In the current market environment of car fans, installment payment is regarded by many merchants as an effective means to seize market share.

Long payment terms and wide range of choices

For installment sales activities launched by enterprises some time ago, the balance is generally required to be paid off within two years. Some merchants have extended the payment period to 40 months, greatly reducing monthly payments. It only costs a few hundred yuan per month, which is more attractive to consumers. At the same time, the down payment is also appropriately reduced. The down payment for a Changan vehicle from Military Auto Trade is only 3,000 yuan. You can drive your car home for the price of a mid-range color TV.

The merchants are very enthusiastic

In the current car fan market environment, installment payment is regarded by many merchants as an effective means to seize market share.

Two: What is a loan?

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned.

A simple and popular understanding is that borrowing money requires interest.

By lending and monetary funds, banks can meet society's demand for supplementary funds, expand reproduction, and promote economic development; at the same time, banks can also obtain loan interest income and increase their own accumulation