1. Can I buy a house with a credit loan?

Yes. As long as you meet the mortgage application conditions, you can get a loan to buy a house. Most credit loans do not significantly increase a person's debt ratio, so users can apply for a mortgage if they have not paid off. The bank requires users to repay, and they can apply for a mortgage after repaying.

Extended information: Loan means that banks, credit unions and other institutions lend money to units or individuals who use the money, generally stipulating interest and repayment dates. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Mortgage, also called personal housing loan. A personal housing loan is a type of consumer loan, which refers to a loan issued by a lender to a borrower for the purchase of an ordinary house for self-use. When a lender issues a personal home loan, the borrower must provide a guarantee. If the borrower is unable to repay the principal and interest of the loan when due, the lender has the right to dispose of its mortgage or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest. The object of the loan is a natural person with full civil capacity. The loan conditions are that urban residents purchase ordinary houses for self-use and have a house purchase contract or agreement, have the ability to repay principal and interest, have good credit, have a down payment of 30% of the funds required for house purchase, and have a loan guarantee recognized by the bank, etc. Personal housing loans are limited to the purchase of ordinary houses for self-use and the repair and construction of houses for urban residents for self-use, and may not be used to purchase luxury houses. Personal housing portfolio loans refer to loans issued to the same borrower for the purchase of ordinary housing for self-use using housing provident fund deposits and credit funds as sources. It is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. The borrower should provide the lender with the following information: identity document; proof of the borrower's family's stable economic income; a letter of intent, agreement or other approval document for the purchase of a house that meets the requirements; a list of mortgages or pledges, proof of ownership, and dispositions Proof that the right holder agrees to mortgage or pledge; proof of mortgage valuation issued by the competent department; written document that the guarantor agrees to provide guarantee and certificate of creditworthiness of the guarantor; 5. If you apply for a housing provident fund loan, you must hold a certificate issued by the housing provident fund management department; Other documents or information requested by the lender.

2. If my husband has bad credit, can my wife get a loan to buy a house?

No.

During the marriage, a loan from a bank is the joint debt of both husband and wife, and the property is also the property owned by both husband and wife. In principle, the husband or wife can repay to the extent established before the marriage; during the duration of the marriage, the repayment will be made by the couple's own property.

The husband’s bad credit record will indeed affect his spouse’s application

Extended information

A bad credit record will affect his spouse and children.

Case:

1. The credit report is blank and there is no credit card or loan record. I want to apply for a loan from this bank. However, his spouse knew the repayment date 2 years ago, which resulted in many bad records on his credit report. Similarly, due to the influence of his spouse, the customer failed to apply at the bank

2. There is a 25-year-old man who has just started working and plans to purchase a property from a developer in Nanhai District. The young man's personal credit report is good, but because his monthly income cannot cover the monthly repayment, he needs to add his parents as co-borrowers.

During the process of applying for a loan, the bank found after checking that the credit report of the young man’s parents showed that both parties had a consumer loan, which had been overdue for seven consecutive months in the past two years, and the amount was both If it exceeds 20,000 yuan, it is seriously overdue. Because of the parents’ poor credit record, the application for the loan ultimately failed to pass the review.