If the debt is not high, you can apply for a housing loan. 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.

Second, the husband and wife each have a loan car. What if they can't get a mortgage?

Husband and wife each have a loan car. If the debt is not high, you can apply for a housing loan. The condition is a natural person with the age of 18-65. Have a valid ID card. Good credit, no bad record. A contract or letter of intent for the sale of commercial housing with stable occupation and income, the ability to pay the down payment of the purchased house, the ability to open a personal settlement account in the bank and other conditions stipulated by the bank.

Third, my spouse has a mortgage and a car loan. Can I still borrow money to buy a house?

Being able to take the family as a unit and meet the bank conditions in terms of personal credit information and personal qualifications, that is, you can borrow money to buy a house, which is in line with the local housing policy.

4. Is it ok to buy a house with a loan under the name of husband and wife?

Legal analysis: If there is only one house in the name, you can continue to borrow money. The purchase restriction policy in most cities is that there are only two houses under the name, and the third home loan is not allowed. And your husband and wife only have one house under their name, and they have only borrowed once. You can buy a house and borrow a second money, but the down payment will be affected. After most cities stipulate that there is a loan house under their name, the down payment for the second suite will not be less than 50%.

Legal basis: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions when applying for personal loans:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 44 Bad information in the Regulations on the Management of Credit Information refers to the following information that has a negative impact on the credit status of the information subject: information that the information subject fails to perform its obligations in accordance with the contract in activities such as lending, credit purchase, guarantee, lease, insurance and credit card use, information that the information subject is subject to administrative punishment, information that the people have judged or ruled that the information subject has fulfilled and enforced its obligations, and other bad information as stipulated by the supervision and administration department of the State Council credit information industry.