Of course. But you can get a loan to buy a house, which means that the economic strength is ok, and poor households will definitely not be able to find jobs.

2. Can I apply for a loan because my family is poor?

Find a personal guarantee

College students can ask the village to issue a certificate and then borrow money from the school.

3. Can poor households get loans?

Of course you can. The State Council has poverty alleviation loans for poor households, and poor households can apply for them. After the State Council determines the loan index, relevant banks will issue specific quotas to poor households. However, state loans have a prescribed scope, such as starting a business or decorating a house, and cannot be used for other purposes. Poverty alleviation loan is a policy loan business undertaken by relevant domestic financial institutions. It is an important part of poverty alleviation and development in China, and there are two main forms of distribution: one is small poverty alleviation loans to households; The other is poverty alleviation loans and infrastructure construction for leading enterprises. From June 5438+1 October1day, 2000, according to the scale of the annual poverty alleviation loan plan determined by the State Council (including new poverty alleviation loans that were added that year, re-borrowed, and did not expire in the previous year), the central government will give interest subsidies within the planned quota. Poverty alleviation loans issued before 1998 will no longer be discounted. According to the State Council, "since 2000, all the new poverty alleviation loans, refinancing poverty alleviation loans and new poverty alleviation loans that did not expire in the previous year have been included in the poverty alleviation loan plan of the year; According to the decision of the Ministry of Finance to give discount according to the annual poverty alleviation loan plan, the central finance will give discount within the scale of the annual poverty alleviation loan plan approved by the State Council, and in principle it will only be posted for one year. To apply for a precise poverty alleviation loan, you must first meet the following application conditions: 1. He is between 18 and 60 years old, has a fixed residence and has full capacity for civil conduct; 2. Hold valid identity documents, have repayment ability, and have no bad credit record; 3. Production and business operation activities conform to national laws, regulations and industrial policies; 4. Have the willingness to lend and the ability to develop independently; 5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty; 6. The lender needs to sign an agreement with poor households, village committees, town governments and industry authorities to increase income and get rid of poverty, use the loan quota of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan; 7. If the lender is an enterprise legal person, its legal representative must have legal and valid certificates such as business license, organization code certificate, tax registration certificate and production and operation license. Except for the aforementioned condition 1 to 4.

4. Can poor households borrow money to buy a house?

Poor households can borrow money to buy a house, as long as they meet the loan conditions and have

According to Article 5 of the Measures for the Administration of Individual Housing Loans, the borrower shall meet the following conditions at the same time:

First, have residence status;

Two, have a stable occupation and income, good credit ability;

Three, with the purchase of housing contracts or agreements;

Four, 30% of the total housing price as a purchase sticker to bear part of the money;

5. Having a unit or individual that the lender thinks has sufficient compensation capacity as the guarantor;

6. Other conditions stipulated by the lender.

Other provisions on the purchase of houses by loans.

"Measures for the Administration of Individual Housing Loans" Article 9 Where an applicant applies for using the housing provident fund loan to purchase a house, the lender will transfer the money to his bank account when the loan application is approved. The maximum amount of housing provident fund loans shall not exceed the housing provident fund paid by the borrowing family members within the retirement age.

Article 11 The borrower shall make a repayment plan with the loan bank, and the loan term shall be within 1 year (including 1 year); The loan term is greater than 1 year.

For the above contents, please refer to the notice of People's Republic of China (PRC) and the Ministry of Housing and Urban-Rural Development on this law.