You can't borrow money to buy a house with a copy of the marriage certificate. You need to provide a copy of the marriage certificate to buy a house with a loan, but only a copy of the marriage certificate can't lend money. When applying for a loan, you need to provide copies of both husband and wife's ID card, household registration book, marriage certificate, income certificate of their unit, house purchase contract, land certificate and real estate license.

What conditions do you need to buy a house with a loan?

1, general housing loan conditions

The loan applicant must pay the housing provident fund to the housing provident fund management institution on time, in full and continuously within 6 months before the month of applying for the loan, and shall not default on the housing provident fund from the date of participating in the housing provident fund system to the month of applying for the loan.

The housing purchased by the loan applicant is ordinary self-occupied housing.

The loan applicant is the owner or owner of the purchased self-occupied house.

Have a stable source of economic income and the ability to repay the principal and interest on time.

Provide recognized guarantee companies as repayment guarantees or securities recognized by banks as pledges.

2. Conditions for conversion of house purchase loan

The loan applicant meets the general housing provident fund loan conditions.

The loan applicant has received the house ownership certificate and the state-owned land use certificate of the purchased house.

The original commercial loan must be a house purchase loan and there is no debt for more than two months at the time of lending.

3. Other relevant management regulations

If both husband and wife have used the housing provident fund loan to buy a house, they can apply for the housing provident fund loan again the next month after paying off the loan.

When can I get a loan to buy a house?

You can apply for a mortgage with a down payment of 7 days. The developer will inform the user to bring relevant materials, and then the staff of the developer will dock with the cooperative bank to help the user handle the mortgage. Users can also choose their own banks to handle loan business.

If it is a "first-hand building" and the building has cooperation with China Merchants Bank, you can submit a loan application through the resident staff. If there is no cooperation, you can contact the personal loan department of the local China Merchants Bank outlet to apply; If it is a "second-hand building", it is generally necessary to apply for a loan from China Merchants Bank first, and then go through the formalities of property transfer, and it is necessary to provide personal information and the purchased property, which will be reviewed by the personal loan department. For details, please contact the personal loan department of local outlets for consultation.