Of course. As long as you meet the mortgage application conditions, you can borrow money to buy a house. Credit loans mostly belong to and will not greatly increase the personal debt ratio, and users can apply for mortgages without paying off. The bank requires users to pay off, and they can apply for a mortgage after paying off. Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. 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. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
Second, the husband has bad credit. Can a wife borrow money to buy a house?
You can't.
During the marriage, the husband and wife borrow money from the bank, which is the same debt, and the property is also owned by the husband and wife. In principle, only when it is established before marriage should the husband or wife be repaid; During the marriage, the husband and wife have property to repay.
The husband's bad credit record will really affect the spouse's application.
Extended data
Bad credit records can affect spouses and children.
Case:
1. I have no credit card and loan records, and I want to apply for a loan in this bank. However, his spouse knew the repayment date two years ago, which led to many bad records in the credit investigation. Similarly, because of the influence of the spouse, the customer failed to apply in the bank.
2. There is a 25-year-old man who has just come out to work and intends to buy a property of a developer in Nanhai District. The young man's personal credit is good, but because the monthly income can't cover the monthly repayment amount, he needs to add his parents as * * * borrowers.
In the process of applying for a loan, the bank found that the credit information of the young man's parents showed that both sides had a consumer loan, which was overdue for 7 months in the past two years, and the amount exceeded 20,000 yuan, which was seriously overdue. Because of parents' bad credit records, the loan application could not pass the examination.