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Some people who have overdue credit cards or failed to repay loans on time are likely to become black accounts. Today, the editor will What I want to share with you is whether black households can get a loan to buy a house and what are the requirements for a mortgage to buy a house. Friends who want to know may wish to take a look with the editor!

1. Can illegal households get a loan to buy a house?

An illegal household cannot get a loan to buy a house. Generally, the credit requirements for bank loans for individuals are: no overdue records currently, no two overdue records within half a year, no two consecutive overdue records within one year, and no three consecutive overdue records within two years. Overdue records.

2. What are the requirements for buying a house with a mortgage

1. The borrower should have a stable job and income, good personal credit, and the ability to repay the principal and interest of the loan.

2. The house purchased by the borrower is located in a town and is where the borrower currently lives, works, or does business.

3. If you have signed a "Commercial Housing Sales Contract" with a real estate developer, you should pay the down payment ratio specified by the bank based on your personal credit situation. The minimum ratio is more than 25%.

4. The specific loan amount should be determined based on the borrower’s personal credit situation, occupation, repayment ability, and the liquidity of the house purchased.

3. What materials are needed to buy a house with a loan

1. The original and copy of the identity card, household registration of the person applying for the loan and his or her spouse.

2. Original house purchase agreement.

3. Original and copy of the receipt for down payment or advance payment.

4. Proof of family income of the applicant for the loan, and other proofs of other assets, including: salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc.

5. A copy of the developer’s collection account number should be issued.

The editor summarizes: The above is the information that the editor has shared with you about whether black households can get a loan to buy a house and what are the requirements for a mortgage to buy a house. I believe that everyone will have a corresponding understanding after reading the above sharing. If you need to know more For more relevant information, please continue to pay attention to the Qijia.com website, and the editor will answer your questions one by one.

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