Of course. but

1, to have a fixed income, to

2. The age is between 18-50, and the loan can be paid off before the age of 65;

3. No bad credit record.

Housing loans can generally be divided into the following categories:

1. For residents who have already participated, preferential subsidies should be given when buying a house with loans, and the loan interest rate is very low;

2. For those who have no housing provident fund, they can choose to apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans, which have higher interest rates than housing provident fund loans;

3. There is a certain limit to the provident fund loans that can be issued by the housing provident fund management core. If you apply for a commercial housing loan from a bank, this method is called a portfolio loan.

Second, can a person buy a house with a loan?

Whew, the bank just wants an extra insurance. I have never heard of such a statement in real estate. Maybe the area is different. I am doing real estate in Shenzhen, and buying a house is very expensive now. The earthquake has a great demand for you. It will save a lot of money to buy it next year. Personally, I just mean my side. What do you think of your market?

Third, can you buy a house by yourself?

Of course. But to meet certain conditions:

1, with fixed income, providing salary details;

2. The age is between 18-50, and the loan can be paid off before the age of 65;

3. No bad credit record.

Housing loans can generally be divided into the following categories:

1. For residents who have paid the housing provident fund, low-interest loans from the housing provident fund should be given priority in buying a house, with policy subsidies and low loan interest rates;

2. For those who have no housing provident fund, they can choose to apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans, which have higher interest rates than housing provident fund loans;

3. There is a certain limit to the provident fund loans that can be issued by the housing provident fund management core. If the purchase price exceeds this limit, the excess must apply to the bank for commercial housing loans. This method is called portfolio loan.

4. Can a person buy a house with a loan?

First of all, answer directly.

Individuals can borrow money to buy a house.

Second, the specific analysis

Mortgage supports individual users to apply, but only requires individual users to have excellent credit qualifications, so that there is a certain chance to pass the mortgage review.

When applying for a mortgage, both husband and wife can apply at the same time, and they can choose the user with good credit qualification as the main lender and the other as the sub-lender.

When an individual applies for a mortgage or both husband and wife apply for a mortgage, the audit result has nothing to do with the number of applicants.

In other words, if both husband and wife apply for a mortgage, as long as one of them does not meet the mortgage application conditions, then the mortgage application will be rejected.

Individual users can enter the review stage as long as the applicant meets the mortgage application conditions.

There will be a pre-audit and a normal audit for mortgage loans. Pre-trial mainly examines whether the user meets the mortgage conditions. If it does not meet the mortgage conditions, it will be rejected at this stage of pre-trial.

Therefore, individual users are fully prepared and meet the mortgage conditions, and can apply for a mortgage in their own name.

Before applying for a loan, you can go to Beijian to check your credit status quickly. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

3. If the bank doesn't lend money, can I check?

You can choose to return a house if you apply for a mortgage at the bank but the bank does not lend money.

However, it is best to consider clearly that sometimes the bank's delay in lending may be just a delay.

It is better to wait patiently. If you check out directly, you will be liable for breach of contract.

Real estate developers may not refund all the down payment, but deduct part of it as liquidated damages.

It is suggested that you can contact the bank customer service first and ask the reason for not lending money. If the developer has problems, such as incomplete documents, it is no problem to check out.

Because the responsibility lies with the developer, you can get back all the down payment when you check out, or you can ask the other party to pay a certain loss fee.

After checking out successfully, you can find another real estate developer with complete documents to buy a house and re-apply for a mortgage.

It should be noted that if it is your own problem, it is not recommended to check out directly. You can find out the problem and remedy it.