Legal analysis: A single housing loan for divorce meets the following conditions: (1) stable income, good credit and the ability to repay the principal and interest of the loan. (2) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank. (3) Self-raised funds of more than 30% of the total house price. (5) There are assets that can be mortgaged or pledged as recognized by the lending bank. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.

2. What are the procedures for being single in mortgage to buy a house after divorce?

Materials to be prepared for mortgage to buy a house loan:

1. Original and photocopy of ID cards of the borrower and spouse;

2. The original and photocopy of the borrower's husband and wife residence booklet;

3. Proof of marital status;

4. The original purchase agreement;

5. Original and photocopy of advance payment receipt for 30% or more of the house price;

6. proof of income;

7. Bank flow;

8. Certificate of academic qualifications;

9. Bank deposit certificate;

10, other financial certificates;

1 1, the collection account number of the developer;

12, other materials specified by the bank.

Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.

3. What are the procedures for buying a house with a loan in Yinchuan? How much is the unmarried down payment?

If you are not registered in Ningxia, you must have a one-year social security certificate from Ningxia. Individuals should have a tax payment certificate for one year (tax exemption and fixed tax should also be issued). The down payment for singles depends on the approval of banks, and where the approval conditions are relaxed. Other books, temporary residence permit, income certificate, half-year salary details, marriage certificate (divorce certificate or single certificate), single certificate, you need to go to the residence permit (depending on which suite you are). Ask again if you have anything! I can take a look at it for you at night.

4. How long can I get a loan to buy a house after Xi 'an's divorce?

There is no necessary connection between the divorce of husband and wife and the loan to buy a house, and there is no adverse effect between them. You can apply for a mortgage loan only if you meet the loan conditions.

Information to be provided:

One, the applicant and his spouse's identity card account and three copies, the applicant and his spouse do not belong to the same account, need to attach a marriage certificate, single, need to provide a single certificate.

2. The original house purchase agreement, one original and one copy of the advance payment receipt for the house price of 300% or above. Proof of the applicant's family income and related assets, including salary table, income certificate issued by individual income tax taxpayer, bank deposit certificate, etc. Copy of the developer's collection account number.