Legal analysis: divorce can buy a house with a loan. For mortgage applicants divorced within one year, commercial banks should refer to the second home loan credit policy; Apply for housing provident fund loans, according to two sets of housing provident fund loan policies. In other words, even if the purchaser has owned the property under his name to the other party during the divorce process, and there is no loan record, it will still be regarded as a second suite. The down payment ratio for ordinary self-occupied houses is not less than 60%, and the down payment ratio for non-ordinary self-occupied houses is not less than 80%. The mortgage interest rate is 1. 1 times of the benchmark interest rate.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.