Yes, the amount and period of commercial loans approved by many banks will no longer be restricted by household registration, household registration nature, workplace and housing type. As long as the borrower meets the loan conditions, whether the borrower is purchasing a house for housing reform or economic development, Loans can be applied for affordable housing, ordinary commercial housing, high-end residences, apartments, villas, and second-hand houses. As long as you provide proof of stable income, you can get a home loan.

You can also purchase it jointly, and then use the husband's name for the loan. As long as the husband can provide proof of stable income, the bank will look at the repayment ability.

Extended information:

When buying a house with an equal principal and interest loan, the monthly repayment formula is:

[Loan principal × monthly interest rate × (1 month Interest rate)^Number of repayment months]÷[(1 monthly interest rate)^Number of repayment months-1]

Calculation principle: The bank first collects the remaining principal interest from the monthly payment, and then The principal is collected; the proportion of interest in the monthly payment decreases as the remaining principal decreases, and the proportion of principal in the monthly payment increases due to the increase, but the total monthly payment remains unchanged.

Reference materials:

House purchase loan-Baidu Encyclopedia