It is possible to get a loan to buy a house in another place. The borrower’s valid ID card, household register, and proof of marital status are required (if you are unmarried, provide a certificate of unmarried status, and if you are divorced, provide a divorce certificate). If you are married, you must provide your spouse’s valid ID card, marriage certificate, income certificate of the borrower, and real estate certificate. Just go to the bank to do it. If there is a guarantor, you also need to provide the guarantor’s ID card, household register, and marriage certificate.
In fact, at this time it depends on the loan method chosen by the home buyer and the local loan policy. In most areas, mortgage loans to purchase real estate require meeting the following conditions:
1. Chinese residents with local urban permanent residence or valid residence status, aged 18-65 years old;
2. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan on time;
3. Have self-raised funds of more than 20 RMB of the total price of the house purchased, and guarantee that it will be used to pay for the purchase. Down payment for a house;
4. Assets recognized by banks as mortgage or pledge, or units or individuals with sufficient solvency as guarantors for repaying the principal and interest of the loan and assuming joint and several liability;
5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
If you plan to use provident fund loans, you need to understand that many cities cannot use provident funds from other places. If you plan to use a commercial loan, you must check the local first-home and second-home loan policies. Generally speaking, you can apply for a commercial loan if you meet the local home purchase qualifications. However, the loan ratio is related to the number of houses under your name and whether the loan has been paid off. .
In addition, if it meets the loan policy, it also depends on the loan conditions stipulated by the bank. Generally speaking, these conditions must be met: there is sufficient down payment, a house purchase contract, the borrower's age meets the requirements, and a stable income, etc.
Description of loans:
Loans refer to monetary funds provided by financial institutions such as national commercial banks to borrowers to repay principal and interest at an agreed interest rate and period. Loans can be divided into short-term, medium-term and long-term loans according to the length of time. They can be divided into credit and guaranteed loans according to the presence or absence of guarantees. They can be divided into rural industrial and commercial loans and consumer loans according to the objects and purposes of the loans. Personal loans can be divided into types according to the types of loans. It is divided into personal housing commercial, personal housing provident fund and personal housing portfolio loans.
In terms of accounting processing, corporate loans can be accounted for through the "short-term borrowing" account or the "long-term borrowing" account according to the length of the loan period, and then the loan interest is accounted for through the "interest payable" account.