You can apply for a loan after divorce. In order to avoid false divorce, some banks generally require divorce for more than half a year, but there is no official document issued and it needs to be confirmed with the bank.

The loan to buy a house needs to meet the conditions:

1. China residents aged 18-65 with permanent residence or valid residence status in local towns;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

Other conditions stipulated by the bank.

Extended data:

Procedure:

First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.

Then accept the bank's review of you and determine the loan amount.

Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.

Building mortgage is quite common in the United States, Japan, Singapore, Hong Kong and other places, and has become a widely popular financing method for buying houses in developed countries and regions. In China, mortgage has only been implemented in Shanghai, Peking, Shenzhen and other cities in recent years. The sales performance of real estate that provides mortgage in the real estate market is obviously better than other real estate. Property buyers handle it.

Baidu encyclopedia-loan to buy a house