Student loans can be applied in some banks, as long as they are not overdue. The steps of loan are as follows:

1. The borrower chooses a good house and prepares the required information to apply for a house loan from the bank;

2. The bank examines the information submitted by the borrower;

3. After passing the examination, the borrower can sign a house purchase contract, and the bank will issue a loan agreement notice or a mortgage commitment letter to the buyers;

4 property buyers can sign pre-sale and sales contracts with developers or their agents;

5. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

6. Apply for mortgage registration and purchase insurance;

7. Open a special repayment account, and the bank will transfer the loan to the bank account of the real estate developer as the purchase price of the purchaser;

8. The borrower shall repay the loan regularly as stipulated in the contract.

1. The student loan is not paid off, that is, the borrower is overdue, which will produce a bad credit record. The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation. Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

2. If it is maliciously overdue, you can explain to the bank and cancel your personal bad credit record. If your subsidy is not repaid normally, you can apply for a housing loan. But banks in different places have different regulations. This mainly depends on whether the developer cooperative bank that you buy a house requires repayment. Most banks do this. Even if you have debts in another bank, your normal account still has a lot of liquidity, and they will still approve your loan. A loan like yours is less risky. The result is that your house is used as collateral, and the loan to buy a car is also used as collateral.

Can I borrow money to buy a house if I haven't paid off the student loan?

You can buy a house with a loan if you can't repay the student loan, because there is no conflict between the student loan and the mortgage.

1. If you are not in arrears, this will not affect your loan approval, but because you have an outstanding student loan, this may affect your loan limit. If there is little student loan left, I suggest you pay it off in one lump sum to avoid future troubles, because banks usually check your credit first when giving you loans. If you find that you still have a loan, you must first calculate and evaluate your repayment ability. If your repayment ability is high, the bank is more likely to give you a loan, so I suggest that you open a higher income certificate when you borrow money to buy a house.

Each bank has different policies, so you can consult several banks when handling it. According to the relevant provisions of the state, the student loan bank will record the students who have repeatedly overdue and maliciously defaulted on their loans in the personal credit information system, forming a bad credit record, and load the information of untrustworthy students and cooperative borrowers into the personal credit information system of the People's Bank of China. Once the bad credit record is loaded into the personal credit information system, it will directly affect the application and use of almost all financial products related to financial institutions, such as personal credit card, house purchase and car loan.

You'd better pay off your student loan first, otherwise it will affect your reputation and loan amount. As long as the ordinary provident fund is paid for more than 6 months, you can apply for a housing provident fund loan. If you feel that there are few accounts, you can give the money to the company to send it to you, such as the provident fund account. General housing provident fund loans can get 40 times the balance of the loan account, and 406 thousand can get 240 thousand. You can also apply for housing provident fund loans without commercial loans. It mainly depends on your monthly income level. Generally speaking, the monthly repayment of two loans cannot exceed half of your income. You can borrow money to buy a house, but you still need to pay back the student loan every month.

Most loans are not in conflict, as long as there is no serious overdue in your repayment record. The key depends on your salary, because the bank will give you a loan and will consider your repayment ability.

Can I apply for a mortgage with a student loan?

At present, you have the repayment ability. If the student loan was good before, you can apply.

The conditions for mortgage loan are as follows:

1,18-a natural person aged 65;

2. Hold a valid ID card;

3. Good credit information and no bad records;

4. Have a stable job and a stable income;

5. Commercial housing sales contract or letter of intent with the purchased house;

6. Have the ability to pay the down payment of the purchased house;

7. Open a personal settlement account in a bank with effective guarantee;

8. Other conditions stipulated by the bank.

You can apply for a mortgage. Although you have a student loan, you have always maintained a good credit.

Student loans should have nothing to do with credit cards, because I also have student loans, and I haven't paid back a penny, and my salary is only medium, but my China Merchants Bank credit card has been applied for.

Take China Construction Bank as an example: If the student loan is not paid off, you can apply for a mortgage.

Materials to be submitted when applying for a loan:

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective procurement contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6. Other documents and materials specified by the lending bank.

In other words, as long as the loan applicant can provide proof of the repayment ability of the previous loans and mortgages, you can apply for a mortgage if you have outstanding student loans.

Processing flow: 1. Loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB approves loans.

4. Signing: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

1, most loans do not conflict, as long as there is no serious overdue in your repayment record, you can handle it. The key depends on your salary, because the bank will give you a loan and will consider your repayment ability.

2. If the student loan is not repaid or overdue in the repayment process, that person's credit status will definitely be affected, and it may even be listed as a black account by the bank. In this case, the application for housing loans will definitely be affected, because personal credit is tainted. Loans are still difficult.

Will the outstanding student loan affect the mortgage?

Will affect. The student loan is not paid off, that is, the borrower is overdue, which will produce a bad credit record. The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation.

Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report. This information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.

Extended data:

Precautions for outstanding student loans:

1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest on the amount of default repayment.

2. The handling bank will input the personal basic information and repayment of the graduated students into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. If the graduates of the national student loan break the contract seriously, it will affect them to apply for other personal consumption credit from financial institutions.

3. After entering the repayment period according to the repayment agreement, the relevant administrative departments and banks will announce the borrower's name, citizenship number, graduation school, specific breach of contract and other information through news media, internet and other information channels.

4. The defaulter shall bear relevant legal responsibilities.