2. Ask your parents for help. If young people buy a house, they can also seek financial support directly from their parents. At present, many young people have just entered the society and their economic situation is unstable. If parents have good financial ability, they can also ask their parents to help pay the down payment.
3. Apply for personal credit loan. If the borrower has good personal credit and strong repayment ability, he can also apply for a personal credit loan to make up for the lack of down payment. However, when applying for a personal credit loan, the borrower needs to pay a down payment. If you apply for a credit loan, you need the borrower to have strong repayment ability and high income, because after paying the down payment, you have to repay the mortgage and credit loan every month, and the pressure of repayment in the later period is greater.
Extended data
Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments, also known as house mortgage loan.
People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Baidu encyclopedia: loan to buy a house