Can college students take out a commercial loan to buy a house with a mortgage? Why?

In many cities, college students are not allowed to take out commercial loans to buy houses and mortgages.

You don't have a salary, how can others rest assured that they will lend you a loan. In this city, how many years of social security do you need to buy before you can buy a house, and some cities also have requirements.

Therefore, it is very unrealistic for college students to buy a house through a commercial loan.

College students cannot take out a commercial loan to buy a mortgage, because a commercial loan to buy a house mortgage requires a work certificate from your work unit to prove that you have a stable income** before the loan will be granted to you. College students are the first period of study, how to buy a house with a mortgage without a job.

I don't think it's possible, because our college students don't have a salary and don't have a certain amount of savings, so we can't take out a loan to buy a house, because if you want to take out a loan, you have to have something as collateral, and we don't have the ability to do that at this time.

OK. College students are adults with independent civil capacity. There are two key points to buying a house through a commercial loan, 1) you can afford to pay the down payment, and 2) you have a stable income** and you can repay the mortgage on a monthly basis, that is, the monthly payment.

If a college student is working or starting a business while studying, and has a stable income, it is no problem to buy a house with a commercial loan and mortgage.

If you want to buy a house with a mortgage, you must have a certain degree of credibility, you must have a certain stable and stable job, and others will give you a mortgage, so college students are not allowed to take a commercial loan to buy a house and mortgage, because college students do not have a stable income, and others are not at ease to sell your house to you.

College students are not allowed to take out commercial loans to buy houses and mortgages. Because college students do not have bank statements and income certificates. Banks are worried about the ability of college students to repay. If you want to take out a commercial loan to buy a house mortgage, then you can only do it if your parents guarantee it.

Since college students do not have the bank statements and income certificates and other documents required by the bank to prove their ability to repay, if they want to take out a loan to buy a house, they can only have their parents guarantee the loan. Parents come to guarantee the loan to buy a house, the down payment is at least 5%, and the loan interest rate is calculated according to the second house.

I think it's okay, first of all, a college student is already an adult, as long as there is this condition, it is completely possible to buy a house with a mortgage, as long as you have the ability to do so, you don't have to worry about this problem, for this practice, I am very selfish, which can only show that college students are more independent.

A colleague of mine, whose child went to college in a provincial town, immediately bought a house next to the university, which was bought in the name of the child. It is said that there are preferential policies for college students in some cities to buy houses. Buying a house for college students is also an investment, if you have the ability to invest.

Legal analysis]: No, you cannot. In law, college students are already adults and are independent, but students do not have a stable income, so when the bank determines the ability to repay, the student is insolvent.

So there is no way to apply for a home loan from the bank. In this case, although it is not possible to buy a house in the name of an individual, it is possible to buy a house in the name of a child, and one of the parents will repay the loan together as a co-borrower. The loan amount is determined by the income of one of the parents, and the maximum loan term can be determined according to the age of the student.

Legal basisArticle 669 of the Civil Code of the People's Republic of China When entering into a loan contract, the borrower shall, in accordance with the requirements of the lender, provide the true information about the business activities and financial status related to the loan. Article 17 The borrower shall be an enterprise (institution) legal person, other economic organization, individual industrial and commercial household approved and registered by the administrative authority for industry and commerce (or the competent authority) or a natural person with full capacity for civil conduct with the nationality of the People's Republic of China; When applying for a loan, the borrower shall meet the basic conditions such as having a market for the product, efficient production and operation, not misappropriating loan funds, and abiding by credit, and shall meet the following requirements:

1. Have the ability to repay the principal and interest on time, and the original loan interest payable and the loan due have been repaid; If it has not been repaid, a repayment plan approved by the lender has been made. 2. Except for natural persons and legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures of the industrial and commercial department. 3. A basic account or a general deposit account has been opened.

4. In addition to the provisions of the first month, the cumulative amount of foreign equity investment in limited liability companies and shares does not exceed 50% of their total net assets. 5. The borrower's asset-liability ratio meets the requirements of the lender. 6. Where applying for medium-term or long-term loans, the ratio of the equity of the corporate legal person of the new project to the total investment required for the project shall not be less than the proportion of the capital of the investment project stipulated by the state.

It is not possible to take out a loan to buy a house according to the college students themselves, but they can buy a house if they are based on their parents as the main body or guarantor. But if it is a loan, you need to meet several conditions, the loan needs to be reviewed by the bank, and there is a salary income certificate in the information provided, college students have no salary income, so if you want to take out a loan to buy a house, then you need a guarantor, and the guarantor is generally done by the parents, and the income certificate provided is basically the parents, so this is at best in your name, the parents pay to buy the house, so in the final analysis, it is the house that the parents buy, It's just that your name is on it.

In addition, there are some areas that are restricted from purchasing, such as people who are not local hukou are only allowed to buy a house, can you buy a house in this area in addition to the loan, the audit also looks at other policy factors that do not meet, some areas are required to pay social security for more than one year in the local area, and some areas are required to two years, I don't know if you are the best place, it is best to check online to see if there are restrictions in this regard. Buying a house is a big deal, and the money it requires is not a little bit, so these things must be discussed with parents, after all, a family can only buy two or three sets at most, and there is no need for more.

College students can take out a loan to buy a house if they are adults and have the qualifications to buy a house, but even if they can afford the down payment, the average college student lacks a stable and standard income, and if you only apply for a loan in person, it is basically rejected, and you can consider adding a qualified co-repayer to ensure that the mortgage is approved.

[Calculate how much it will cost you to renovate your home].

Because the current housing prices are very high, people need to apply for a loan from the bank to buy a house, so can college students take out a loan to buy a house? I believe this is a topic that most friends want to know, and friends who want to know may wish to take a look at the materials needed to buy a house!

1. Can college students take out a loan to buy a house?

College students cannot take out a loan to buy a house in their own name. Because college students generally do not have a fixed income and job, the bank will not approve the purchase in the name of the college student, so the college student cannot apply for a loan to buy a house. If your parents are the main purchasers or guarantors, college students can also buy a house.

2. What are the materials needed to buy a house?

1. Materials that need to be prepared for buying a house with provident fund.

The applicant's original family register and a copy of the first page and home page of the household register.

The original and photocopy of the applicant's ID card.

The original and photocopy of the applicant's income certificate.

The original and photocopy of the applicant's provident fund deposit certificate.

The contract signed at the time of purchase and the down payment were original.

A copy of the permit for the sale of the house.

A copy of the land use certificate.

2. Materials that need to be prepared to buy a house in full.

Married persons: marriage certificates, ID cards, and household registration books of both husband and wife.

Singles: ID card, household registration booklet, single certificate.

3. Materials that need to be prepared for taking out a loan to buy a house.

Married persons: marriage certificate, ID card, household registration booklet, income certificate, copy of the business license of the unit with official seal, and salary card for half a year or one year.

Singles: ID card, household register, single certificate, income certificate, bank statement.

Summary: The above is for you to share for you can college students take out a loan to buy a house and what are the materials needed to buy a house, I believe you have a corresponding understanding after reading the above sharing, I hope the above sharing can help you, if you need to learn more about it, please continue to pay attention to Qeeka Home**, will answer for you one by one.

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If you are 18 years old in college, you can take out a loan to buy a house.

Conditions for buying a house with a loan:

1. To buy a house with a loan, you need to have a local permanent residence or a valid resident ID card;

2. Buying a house with a loan requires a stable occupation and income; 3. Loan to buy a house requires good credit and the ability to repay the principal and interest of the loan on time;

4. The loan to buy a house requires assets approved by the lender as collateral or pledge; or when the borrower is unable to provide the mortgage (pledge) in full, the entity or individual with sufficient solvency recognized by the lender and meets the prescribed conditions shall act as the guarantor for repaying the principal and interest of the loan and bear joint and several liability;

5. To buy a house with a loan, you need to have a contract or agreement for the purchase of housing or relevant approval documents;

6. The purchased house needs to be purchased with a loan** basically in line with the appraisal value of the lender or its designated real estate appraisal agency;

7. If you do not enjoy the housing purchase subsidy for buying a house with a loan, a deposit or cash of not less than 20 of the total price of the purchased house shall be used as the down payment for the purchase of the house; For those who enjoy the housing purchase subsidy, 20% of the deposit or cash borne by the individual shall be used as the down payment for the purchase of the house;

8. Other conditions stipulated by the lending bank are required to buy a house with a loan.

College students are allowed to take out a loan to buy a house if they have the conditions and meet the requirements of the law.

Yes, but after all, the ability of college students is limited, such as adults can take out a loan to buy a house, but even if the down payment is paid, the average college student also lacks a stable and standard income, and the loan handled by me is basically rejected, and you can consider adding a qualified co-repayer to ensure that the mortgage is passed.

What are the requirements for a guarantor to buy a house with a loan.

1.According to the "Measures for the Administration of Personal Housing Loans" promulgated by the People's Bank of China, the target of the personal housing purchase guarantee loan has a natural person with full name and capacity, and must meet the following conditions, with urban permanent residence or valid residence status.

2.Have a stable occupation and income, good credit, have the ability to repay the interest on the loan, have a contract and agreement for the purchase of a house, and the balance of the deposit shall not be less than 30% of the loan to buy the house, and use it as the down payment for the purchase.

1.Students who are in school are not allowed to apply for a loan to buy a house, because the loan requires a certain amount of repayment ability. College students cannot take out a loan to buy a house with their own purchase, but if they use their parents as the purchaser or guarantor, they can also buy a house.

Generally, college students are a group without a fixed income, and when they are the main purchaser, it is difficult for the bank to bear the default risk, so they cannot apply for a home loan. If the parents of college students have stable jobs and considerable incomes, they can apply for a house loan from the bank with their parents as guarantors, so that the goal of college students can be achieved by taking out a loan to buy a house.

2.College students, applying for a home loan, usually face the following three problems;

a Down payment is certainly not his own money. The bank also recognizes the use of parents' cards to pay the down payment, and the money of the seven aunts and eight aunts, and even the brothers and sisters to pay the down payment, said separately;

b University students are often unearning. Don't issue a proof of income. The solution to this problem is to have his parents be the borrowers of this loan contract;

c Many of the credit reports of college students are "white". Such a credit report will not be rated too high in the bank. Be prepared to pay more down payment, and strictly pay the minimum 30% down payment may not be passable.

3.In this case, the requirements for the co-borrower are high; Civil servants, public institutions, at least state-owned enterprises, Fortune 500 companies or something. Individually-owned businesses whose parents open shops and do small business at home definitely don't care;

4. College students do not have provident fund contributions, so such loans are limited to commercial loans.

To summarize the above: college students generally cannot apply for loans from lending institutions to buy a house, because college students' current income is not very stable and there is not enough down payment, so it is not easy to take out a loan to buy a house. However, if the college student has enough down payment, the current income has the ability to repay the mortgage, and the current work unit has been half a year, there is nearly half a year of continuous bank card flow can still take out a loan to buy a house.

College students can take out a loan to buy a house if they are adults and have the qualifications to buy a house, but even if they can afford the down payment, the average college student lacks a stable and standard income, and if you only apply for a loan in person, it is basically rejected, and you can consider adding a qualified co-repayer to ensure that the mortgage is approved. What are the requirements for a guarantor to buy a house with a loan.

1. The loan guarantor refers to the legal person, other organization or citizen who has the ability to repay the debts on behalf of the guarantor and the creditor, and can act as the guarantor. According to the relevant provisions of the Measures for the Administration of Personal Housing Loans promulgated by the People's Bank of China, the target of personal housing purchase guarantee loans is natural persons with full civil capacity, and must meet the following conditions: have a permanent urban residence or valid residence status.

2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; have a contract or agreement for the purchase of housing; Open a savings deposit account (or pay a housing provident fund deposit) with the loan bank, and the balance of the deposit shall not be less than 30% of the amount required for the purchase of the house, and use it as the down payment for the purchase; The guarantee company agrees to act as a guarantor for the borrower to repay the principal and interest of the loan and bear joint and several liability, with assets approved by the guarantee company as collateral.

Do I need a guarantor to buy a house with a loan?

When applying for a mortgage, it is generally easier to get a loan approved if the borrower has sufficient income or a good credit history.

However, if the borrower's income is insufficient, or the credit history is not good, and the down payment is insufficient, the lender will require the borrower to find a guarantor to personally bear the debt of the house. If the borrower does not repay the loan, the guarantor is liable for repayment. It is important to consider carefully before committing to act as a guarantor, because when you sign as a guarantee for money and debts, you are making a personal responsibility for the lender to pay off the debt.

Even if there is a change in the relationship between the guarantor and the debtor, for example, if the husband sponsors the wife for the mortgage and the two divorce, the letter of guarantee will not be affected by the dissolution of the marriage and it will still be valid. In other words, once the guarantor has signed as a guarantor, it is a guarantor, unless the borrower is disqualified as a guarantor with the approval of the lending institution. Under normal circumstances, the borrower will repay the loan by himself, and the guarantor does not have to worry about it, but the loan amount and monthly repayment amount borrowed by the borrower will generally be shown in the guarantor's credit history.