Houses are for living in, not for speculation? In recent years, the country has always adhered to such a policy and introduced various policies to control the excessive growth of housing prices. However, during this period, the country’s The crackdown has been intensified, not only tightening the loan policy in the property market, but also rectifying housing in school districts and second-hand housing. From this, we can see the country's determination to regulate housing prices and its attitude towards the property market. In Shenzhen, Dongguan, Guangzhou, Shanghai and other cities, many banks in Tianjin have raised first-home loan interest rates, making it more difficult to buy a house again. What conditions do you need to meet to get a loan to buy a house?

What conditions need to be met to buy a house with a loan?

As the country tightens bank loan limits, it has become much more difficult to get a loan to buy a house. People who want to get a loan to buy a house need to meet these conditions. First of all, the source of the down payment needs to meet the requirements. It must be the home buyer's own property or a transfer from an immediate relative. Once it is found that the transfer is from a non-immediate relative, you will not be able to buy a house, and naturally you will not be able to get a loan to buy a house. In addition, the age and nationality of the borrower must meet the requirements. The borrower's age plus the loan period must not exceed 65 years old for men and 60 years old for women. They must have permanent residence or valid residence status in China. Also, the borrower must have a stable job and source of income, otherwise the bank will not approve it.

What should you pay attention to when buying a house with a loan?

Buying a house is a huge expense. Most people spend their entire life savings to buy a house. Therefore, you must pay extra attention to these points when taking a loan to buy a house. First of all, whether the developer’s evidence is complete, you must check whether the developer’s five certificates are complete and up to standard. Some unscrupulous developers have not obtained legal certificates at all, which means that these properties were obtained through illegal or improper means. If it is taken, disputes will inevitably occur later, which will affect the repossession of the property. At that time, the home buyers will not only spend their money in vain, but they will not even be able to get the house. Also sign the contract in a timely manner. Because developers usually give buyers a few days to raise funds or apply for loans, but they need to give a deposit in advance, the developer will reserve the house, but once the contract is not signed at the agreed time, the developer will not continue to reserve the house. source, and the developer will no longer refund the deposit paid previously.

You need to be cautious when buying a house. You should learn more about the information and precautions related to buying a house, and don't step into the trap and cause unnecessary losses.