Conditions for buying a house with a loan:

1. The buyer must have a valid ID card and household registration book.

2. Non-local hukou, you can buy a house in Guangzhou as a family, and you must provide social security or tax bills for three consecutive years (36 months) within five years.

3. No matter whether it is a new house or a second-hand house, buyers with foreign accounts can only buy one set.

The buyer must have a down payment of 30% of the total purchase price.

5. Family members of buyers must have no purchase records in other places.

6. If the buyer has bought a house in another place before, he must make a down payment of 70% according to the regulations of the second suite, but if the loan of the first suite has been settled, it can still be implemented according to the regulations of the first suite.

7. Buyers must have good credit, stable income and certain repayment ability.

8. Other conditions stipulated by relevant departments.

Two, rural hukou loans are:

1. If you own a property right house in the urban area, you can get a mortgage loan, and the loan amount is generally 67% off the value of the house. If it is a rural self-confident house, there is no property right, so it cannot be mortgaged.

2. If there is no property right house and no fixed assets mortgage, you can find the village government as a guarantor, and then write a loan application report to the bank to apply for a loan. The loan amount applied for is probably less than 20,000.

3. If the above cannot be done, you can write a project report to prepare aquaculture, hoping to get loan help. This is also possible, because the state is encouraging farmers to start businesses and providing support. The interest is calculated according to the unified loan interest rate of the State Bank, which is much cheaper than ordinary commercial loans.

What should rural people do with housing loans?

There is little difference between rural people's methods of handling mortgages and general methods of handling mortgages. The following is the process of handling mortgage:

1. After the borrower chooses a good house, he pays the down payment and signs a house purchase contract with the real estate agent;

2. Bring the purchase contract, ID card, household registration book, property certificate and other related materials to the loan bank to apply for a loan;

3. With the assistance of the staff, handle the mortgage application procedures and submit relevant materials;

4. The loan bank shall review and evaluate the relevant application materials, and sign a loan contract with the borrower after passing the examination;

5. The borrower shall go through relevant procedures such as guarantee and mortgage registration as required by the bank, and open a repayment account;

6. After the formalities are completed, the bank will transfer the money to the designated account after a period of time.

How do farmers borrow money to buy a house?

Ways for farmers to apply for loans to buy houses:

1, housing property mortgage loan, with a mortgage term of one year and a mortgage rate of 50%-70%.

2. Mortgage the contracted management right of land to the bank. When applying for a loan, you need to fill in the application form and prepare the household registration book, ID card, relevant registration certificate, commitment letter and other materials.

3. Apply for forest right mortgage loan. Farmers can use forest rights as collateral to borrow money from banks. Farmers need to provide ID cards, forest ownership certificates and application forms.