If the car loan is not paid off, you can apply for a commercial loan to buy a house. Theoretically, if you have a car loan, you can borrow money to buy a house. However, whether the loan can be made after the loan has not been repaid depends on the actual situation of the lender. It depends on what kind of loan the applicant wants to apply for, how many loans to apply for and how long the loan application period is. If the applicant's personal qualifications are not bad, he can get a loan.

What are the loan conditions for buying a house?

1,/kloc-a natural person over 0/8 and under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. Having a valid letter of guarantee approved by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan disbursement and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.

What aspects should I pay attention to when buying a house with a loan?

1. The requested loan amount.

Calculate the required loan amount before lending. The down payment is not included in the loan amount and is paid in advance. Generally speaking, the higher the down payment ratio, the shorter the payment period, and the smaller the monthly pressure. All the house payment MINUS the down payment is the basic loan amount, in addition to deed tax, value-added tax and other taxes.

2. Choose a good loan bank for mortgage loan.

With the development of the real estate market, many banks have developed housing loan products. Property buyers can shop around to see which policy is more favorable and suitable for them, and choose the right loan bank according to the actual situation.

3. Choose the correct return method.

Generally speaking, there are two repayment methods: one is equal principal and interest, and the other is average capital. These two methods have their own advantages and disadvantages. Lenders need to choose the appropriate repayment method according to their actual situation.

The information provided to the bank should be true.

When a property buyer applies for a bank loan, the bank will generally ask the lender to provide the corresponding proof of economic income. Property buyers should provide true proof of personal work, position and recent economic income. If the lender provides false certification materials, this will lead to the bank's loss of trust in you and affect the loan.