College graduates can borrow money to buy a house, but it is difficult for them to borrow money to buy a house. At present, many cities have introduced purchase restriction policies. Fresh graduates need to pay social security for one or two years if they want to borrow money to buy a house. The specific city time is different.

Fresh graduates still advise not to rush to borrow money to buy a house. First, because of unstable employment, there is not enough financial resources. Second, the loan pressure is great, and the psychological quality of the newly graduated college students is not so good.

The income of college students who have just joined the work is basically not high and their repayment ability is limited. This kind of college students will be more strict in buying a house. If new college students plan to buy a house, their parents must provide a guarantee, so that parents with higher incomes can become co-borrower and families can guarantee loans.

Some bank loan laws and regulations allow students above 18 and their parents to apply for personal housing loans from banks as co-borrower. After the loan, the parent company can be responsible for monthly repayment. The maximum term of the loan is determined according to the age of the students.

Buying a house with a loan is not that easy. You need to pay a certain amount of repayment every month. If you don't repay or delay repayment, you will be blacklisted by the bank.

2. People who have just joined the work, can they buy a house with a mortgage provident fund?

No, the provident fund loan is at least half a year.

Provident fund loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.

Extended data:

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. On August 5, 20 17, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 30, 20 15, the down payment for purchasing a second home with provident fund loans will be cancelled by 20%!

loan limit

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum amount of housing provident fund loans does not exceed 70% of the total house price. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Interest calculation

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.

(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.

(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.

(six) the formulation and filing of interest calculation methods

3. Can fresh college graduates apply for loans to buy a house?

Whether you graduated from college or not has nothing to do with whether the bank loans or not.

Simply put, you have to make the bank feel that you won't let it lose money.

You should provide proof of income, and the amount you provide should be more than twice the monthly payment (no? Then go to the street to spend 15 yuan to carve his own seal.

There are also daily bank accounts for the past three months, so it is best to have enough capital flow in the first three months of buying a house (this is for banks)

Also, make sure your personal credit information is ok. You can check this with the People's Bank of China. Just bring a copy of your ID card.

4. Can newly graduated college students borrow money to buy a house?

College students buy their own houses, and parents can also buy houses if they are the subject or guarantor. Generally, college students are groups with no fixed income. Because they take themselves as buyers and bear the risk of default, they cannot apply for housing loans. If the parents of college students have stable jobs and considerable income, they can apply to the bank for the goal of buying a house with their parents as guarantors.