Students who meet the following conditions can apply for mortgage loans:

1, with full capacity for civil conduct and legal and valid identity documents;

2. Have the ability to repay the loan principal and interest;

3. Good credit status;

4. A legal and effective house sales contract has been signed, and the house purchased is for residential purposes;

5, there is no less than the minimum required proportion of the first payment certificate;

6. Set mortgage guarantee for the purchased house in principle;

7. Other conditions stipulated by the Agricultural Bank. According to the regulations of the People's Bank of China, the loan interest rate can be lowered by 65,438+05% on the basis of the benchmark loan interest rate of the same grade in the same period. The loan interest rate can be locked by fixed interest rate, floating interest rate or fixed plus floating interest rate (mixed interest rate) to avoid repayment pressure caused by interest rate increase. Extended data:

1. To bid for this product, you need to go through the business process: the customer applies for a non-transactional refinancing → the bank conducts investigation and approval → signs a loan contract, handles the phased guarantee → issues the loan and repays the original loan in advance → goes through the mortgage registration change procedures → the borrower repays the loan principal and interest according to the agreed repayment method → goes through the loan settlement procedures. 2. When handling non-transaction refinancing, you can also pay off the loan from the original financial institution by self-financing, and the Agricultural Bank of China will issue a loan commitment letter to you, and you can release the loan after completing the mortgage registration-eliminating the formalities and expenses of phased guarantee.

Hello, I am a college student. Can college students borrow money to buy a house? What do you need? ...

Education needs a student ID card.

3. Are there any preferential policies for undergraduates to buy a house?

Different regions have different preferential policies. Take Kunshan as an example, there is no limit to the discount for college students to buy a house.

In particular, those who work in enterprises in Kunshan City, are on-the-job at the time of applying for house purchase, and have a bachelor's degree or above, or a junior college degree (my major matches the post, and my major conforms to the Catalogue of Talent Demand for Key Industries in Kunshan City issued by the Municipal Bureau of Human Resources and Social Security that year).

Conditions of college students' housing loan.

1. College students with foreign hukou must provide tax payment certificates or social security certificates. Now the bank has indicated that it will no longer issue housing loans to foreign borrowers who cannot provide tax payment certificates or social security payment certificates for more than 1 year. Therefore, college students with foreign household registration need to provide the above proof materials, otherwise, newly graduated college students can only choose to pay the full amount if they want to buy a house in other places.

2, just work, mom and dad have to come forward to guarantee. Even if college students have jobs now and their hukou is new, loans to buy a house will be stricter.