Buying a garden house can be loaned. As long as the buyers meet the relevant conditions of the loan, they can apply for a loan. Garden house refers to a banlou below 6 floors. The plot ratio is usually around 1.0, with the fourth floor as the main floor and the fifth floor as the second. They have strong foreign architectural style characteristics and high greening rate. They usually appear in the suburbs. Generally, the first floor is for the garden, and the outdoor greening landscape is introduced indoors.

Characteristics of Garden House

1, the main feature of garden houses is the open lifestyle, which is also a major factor to attract everyone to buy.

2. Garden villa, since it literally has the word "foreign", its style must be foreign architectural style. Common garden houses are mostly European and North American styles, and there are also a few Nanyang styles.

3. The plot ratio of garden houses is very low and green, so the environment of the community is very good, and the overall style and landscape treatment are very particular. Houses on the first floor usually have private gardens.

4. The target consumers of garden houses are located in middle and high income groups.

5. The design of the garden villa is humanized, with low floors and low floor area ratio, so the living comfort is higher, which is in line with people's living needs.

6. Garden houses depend on modern urban civilization to a certain extent, and the environment is comfortable and quiet;

7. Although the garden villa is different from the villa, it has some advantages.

Housing loan conditions

1, if you want to buy a house with affordable housing loans, you must meet the conditions; Agree to use the purchased house as collateral, and the borrower's age plus loan period shall not exceed 65 for men and 60 for women, with full capacity for civil conduct; Have permanent residence in China or valid residence status, must pay a down payment of not less than a certain proportion of the total price of the house purchased, have stable professional and economic income, have good credit, have the ability to repay the principal and interest of the loan, and have signed a house purchase contract or agreement.

2. Procedures for buying a house with a loan: First, please go to the bank to learn about the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.