2. The lender must have a stable economic income, good personal credit and the ability to repay the principal and interest of the loan.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

4. Self-raised funds that account for more than 20% of the total price of purchased (built or overhauled) houses, and ensure that they are used to pay the down payment of purchased (built or overhauled) houses.

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

6. Other conditions stipulated by the lending bank.

Application materials for buying a house with a loan from different places

1, ID card, household registration book, residence permit or other valid documents.

2. Effective proof that the lender in different places has the ability to repay the loan.

3. Legal purchase contract or contract or agreement for building or overhauling houses.

4. List of bank collateral, list of pledge rights and relevant documents to prove the ownership of rights. This requires the pledgor to show the relevant certificates of consent to mortgage, and also the collateral evaluation certificate issued by the evaluation institution recognized by the loan bank.

5. The guarantor of the lender shall issue a written commitment to provide the corresponding guarantee and a credit certificate of the guarantor.

6. Lenders in different places shall present relevant documents proving that they have raised funds to purchase or build overhauled houses.

7. Other relevant documents stipulated by the borrowing bank.

Matters needing attention in buying a house with a loan from different places

1, understand the loan regulations:

Now buying a house is basically applying for a bank loan. A large number of property buyers choose it because they are not prepared for the full amount, and the pressure of buying a house is relatively high. Therefore, before buying a house, it is best to measure whether you can apply for a loan. There are three ways to buy a house by loan, and the provident fund loan has the highest cost performance. Property buyers need to consult the provident fund management center where they apply for loans and ask whether you are allowed to apply for provident fund loans in different places to make the best use of them.

2. Assess purchasing power:

House prices are different in different cities. Housing prices in first-tier cities are very high, while housing prices in second-tier cities are actually not low. In short, buying a house is not a trivial matter. Before buying a house, it is necessary to evaluate the ability to buy a house. Before buying a house in a different place, buyers should fully understand and master their economic income and bank credit status (check with the bank). First, they should ensure that they can bear the local house price, so as to determine which area they can buy and how big the house can be.

3. Pay attention to the safety of funds:

If you buy a house in a different place, many procedures require buyers to go to two places. Sometimes, in order to reduce trouble, buyers do not pay attention to the risks in the process of buying a house. If you go to two places, information communication may not be timely. At this time, we should pay special attention to the safety of funds.

4. Field trip:

It is difficult to buy a house in a different place, but since buying a house is a very important thing in our life, we should be prepared before buying a house. It is inevitable to buy a house on the spot, especially in a different place, because you don't know the local situation. Even if you buy a house in a different place, buyers should also conduct on-the-spot investigations on the real estate. When investigating the real estate, we should pay attention to comparing the surrounding real estate to see the quality of the real estate.