Loaning to buy a house actually refers to a way for buyers to pay the down payment first and then borrow the rest of the house money from the bank for installment payment. However, when buying a house, there may be a situation where the funds in hand are not enough to pay, so you will want to get as high a loan as possible when lending. So can I buy a house with a full loan? What are the conditions for a full loan? Loaning to buy a house actually refers to a way for buyers to pay the down payment first and then borrow the rest of the house money from the bank for installment payment. However, when buying a house, there may be a situation where the funds in hand are not enough to pay, so you will want to get as high a loan as possible when lending. So can I buy a house with a full loan? What are the conditions for a full loan?

1. Can I get a full loan to buy a house?

1, in general, is impossible. According to the current national policy, the down payment for buying a house is generally 30%, and the bank will not lend in full, because the risk is high, and you should consider your current income.

In order to attract customers, some developers may advertise to buy a house with zero down payment. In fact, the so-called zero down payment to buy a house is essentially equivalent to down payment by installments, that is, the buyer does not pay or underpays the down payment, and the developer collects the remaining down payment for the buyer for one year or several months before applying for a mortgage.

3. The amount of bank loan application is affected by the down payment ratio of the loan, and usually cannot exceed the difference between the total house price and the down payment. The down payment ratio will be adjusted according to the property market. Restricted cities and non-restricted cities will be different, and different banks in the same area may also be different. It is recommended that buyers fully understand the bank mortgage policy of the place where the house is purchased and choose the most suitable bank to apply for a loan.

Second, the conditions for buying a house with full loan.

Buying a house with a full loan means that the loan applicant can apply for a mortgage to buy a house from the bank without paying a down payment, and pay the mortgage according to the contract. Conditions to be met for mortgage purchase:

1. The loan applicant is a resident of China, aged 18-65, and has a permanent residence or valid residence status in the local area;

2. The loan applicant has a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule;

3. The loan applicant has self-raised funds of more than 20% of the total price of the purchased house, and guarantees to pay the down payment of the purchased house;

4. The loan applicant has assets recognized by the bank as collateral or pledge, or a unit or individual with sufficient compensatory capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;

5. The loan applicant has a house purchase contract or agreement, and the price of the house purchased basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank; Other conditions stipulated by the bank.

The above is an introduction about whether you can buy a house with full loan and the conditions for buying a house with full loan. Some friends didn't make a purchase plan when they bought a house. There will be many unexpected situations when they plan these contents after choosing a house. Some property buyers want to apply for a full loan to buy a house, and they don't know whether they meet the requirements, so they should know these contents in advance before buying a house.