At present, the bank says that housing loans will not be granted to foreigners who cannot provide tax payment certificates or social security payment certificates for more than 1 year. Therefore, foreign graduate loans must be able to provide information, otherwise graduate students who want to buy a house and settle in other places can only pay in full.
2. As soon as you settle down, your parents must come forward to guarantee.
Even if graduate students have jobs and hukou, they will be strictly examined for buying a house with graduate loans. The main reason is that graduate students' income is basically not high and their repayment ability is limited. Postgraduates applying for loans need the company to issue income certificates before they can apply for mortgage approval. After meeting the requirements, the first suite policy will be implemented. The newly graduated graduate students have low income and need their parents to borrow money together. You need your family as a guarantee to borrow money.
3. Graduate students have not graduated, so they can't apply for a loan to buy a house.
In fact, some parents abroad invest in buying houses for their children when they are studying, so that they can settle down when they graduate. But now it is stipulated; Although I have an account in this city, I can't be the main lender because I have no income at present, and my parents can't be the main lender. Therefore, graduate students can only buy a house in full. Some banks have introduced student loan regulations: students over the age of 18 and their parents are allowed to apply for loans from the bank for the same borrower. After the loan, parents can repay the loan on a monthly basis, and the loan period depends on the age of the students.
The preferential policy for graduate students to settle down and buy a house is 1. In fact, there is no special discount for undergraduates, but some banks will give some discounts to graduates. For example, the first suite can enjoy a lower benchmark interest rate and a lower down payment.
As a graduate student, if you want to buy a house, you must first look at your own economic situation. Buying a house with a loan is not a safe thing, and there are certain risks. Moreover, most graduates work in schools. Therefore, if you want to buy a house, you need to pay taxes and social security.
Many parents want to buy a house while their children are still in school, but in this case, if they don't have enough money, they can't get a loan, and neither can their parents.
The above content is about the preferential policies for graduate students to settle down and buy a house? Can graduate students borrow money to buy a house? The whole content of these two questions, I hope to help you buy a house.