Buying a house with a loan is now the first choice for buyers. For people who don't have much money, they have to choose loans to buy a house, because many people's income can't keep up with the rising rate of house prices. And investing in buying a house is also a good choice, so most people choose to buy a house with a loan, but can buyers with mortgages still apply for a loan to buy a house? Let's take a look with Bian Xiao.
1. Is there a mortgage to buy a house?
If you have a mortgage in your name, you can continue to apply for a loan to buy a house, but there are many situations. For example, if you have a mortgage record in your name and the loan has been repaid, you can definitely apply for a loan, but the loan has not been repaid. If you want to apply for a loan to buy a house again, the bank needs to check the applicant's credit status and repayment level. If the credit record is good, the sum of the monthly loan application and the original monthly loan repayment can not exceed 50% of the monthly income, but not the third suite.
2. What are the requirements for applying for a personal housing loan?
1, use
Applying for personal housing loan needs a clear purpose. The loan applied for can only be used for individuals to buy houses or overhaul houses in urban areas of China, and they need to use real estate as collateral, and a certain amount of loans can be paid every month.
2. Objectives
Individuals who apply for individual housing loans and have full capacity for civil conduct may apply. In addition to China citizens, natural persons from Hong Kong, Macao and Taiwan who have the right of abode in China can also apply for it, or foreigners who have the right of abode in China can also apply for it.
3. Situation
Have a stable economic income, good credit, the ability to repay the principal and interest of the loan, the house purchase is legal and effective, and the relevant documents can be provided.
Editor's summary: The above is an introduction about whether I can mortgage to buy a house under my name. I hope what Bian Xiao shared can give you some reference. If you want to know more about it, you can pay attention to our Qijia. Com information.
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