Many people have to buy a house in the city for work or children's schooling, but they can't raise the full amount for most of their lives in the face of expensive housing prices, so many people choose to borrow money to buy a house. However, the process of buying a house by loan is more complicated and has certain requirements. What are the loan conditions for buying a house? What are the precautions for applying for a loan when buying a house? Below, follow Bian Xiao to understand these problems.

1. What are the loan terms for buying a house?

1. As we all know, not everyone is eligible to apply for a housing loan. First of all, housing loans must have legal resident status. If you apply for a policy personal housing loan, you need to have local permanent resident status. Secondly, the lender needs to have a stable job and income, and issue an income certificate to his work unit.

2. Buying a house loan requires the ability to repay the loan on schedule, and personal credit information is good. There are no bad records such as overdue repayment before. If it is a blacklisted user, it is not allowed to lend. Buyers also need to have assets recognized by the loan bank to mortgage or pledge, or a loan guarantor who meets the conditions of the loan bank.

3. The purchase loan needs to sign a purchase contract or agreement with the developer, which must be signed and sealed by both parties.

Second, what are the conditions for the provident fund to buy a house loan?

1, provident fund housing loan First of all, only employees who have participated in the housing provident fund system are eligible to apply for provident fund housing loans. Lenders must continuously deposit housing provident fund for more than 6 months before applying for loans. If the lender's deposit time is discontinuous and the time period is continuous, the bank will think that this is income instability and there is a risk of lending.

2. If the spouse of the property buyer has applied for a housing provident fund loan and has not settled the principal and interest, in this case, both husband and wife can no longer apply for a housing provident fund loan. Because the housing provident fund is the "housing security" financial support to meet the basic housing needs of workers' families.

3. In addition to having stable income and repayment ability, if the borrower is in debt and has not repaid a large amount of debt, it is difficult to apply for provident fund housing loans. In addition, the longest term of provident fund loans cannot exceed 30 years. If it is a combination of commercial housing loans and provident fund loans, the loan terms of the two must be the same.

Third, what are the precautions for applying for a loan to buy a house?

1. First of all, when handling the loan, all the loan procedures must be signed by myself. If you are married, both husband and wife must be present to sign. If you can't be present, you need to go to the notary office for two notarization commissions.

2. The lender must provide proof of income, and the monthly income must be more than twice that of your mortgage repayment. If the monthly income exceeds 1 10,000 yuan, you need to provide some asset certificates, including bank deposit certificates, personal income tax certificates, vehicle purchase certificates, bonds and so on. Lenders should prepare corresponding materials in advance according to their actual conditions.

3. If the mortgage lender is a private owner, it is required to provide tax registration certificate, industrial and commercial business license, tax payment certificate for the last three months or bank statement for the last six months.

Abstract: The above is what Bian Xiao introduced to you about the conditions of housing loan and the matters needing attention in housing loan. I hope I can answer your doubts. In addition, everyone should choose a reasonable repayment method when buying a house loan, and do what they can to avoid being unable to get a loan at that time.

What are the conditions for personal loans to buy a house?

Legal analysis: first, have legal residence status; Those who apply for policy personal housing loans should have local permanent housing;

Second, have a stable occupation and income;

Three, have the ability to repay the loan principal and interest on schedule;

Four, the assets recognized by the loan bank are mortgaged or pledged, or there are guarantors who meet the prescribed conditions for their guarantee;

Five, there is a contract or agreement for the purchase of housing;

Six, when applying for a loan, there is not less than 30% of the funds needed for the purchase of a house in the Construction Bank. If applying for a policy-based personal housing loan, the housing provident fund shall be deposited in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(a) 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.

What are the conditions for a bank loan to buy a house?

Bank loans to buy a house need to meet the following conditions:

1. The borrower has a valid identity document;

2. The borrower has stable professional and economic income, good personal credit and repayment ability on schedule;

3. The borrower has self-raised funds to pay the down payment of the purchased property;

4. The lender has assets recognized by the bank as mortgage or pledge.

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application shall meet the following conditions:

(a) 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.

What are the conditions for buying a house loan?

1. What are the requirements for applying for a housing loan?

1. The requirements for applying for a housing loan are as follows:

(1) The applicant must be between 18 and 65 years old, have the ability to bear legal responsibilities, and have legal status or permanent residence in cities and towns;

(2) The applicant has a good credit record, a stable economic income, a monthly income of 2.5 times the monthly payment, and the ability to repay the loan principal and interest;

(3) The applicant has a legal purchase contract or other certification agreement and deposit receipt;

(4) The applicant has 30% of the self-raised funds for the full house purchase and can pay the down payment for the house purchase;

(5) If the applicant is unmarried, provide proof of unmarried; Married people provide information about both husband and wife; Divorce provides divorce certificate.

2. Legal basis: Article 678th of the Civil Code of People's Republic of China (PRC).

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be postponed.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.