Buying a house with a loan has nothing to do with a credit card. As long as your credit rating is good, you can borrow money to buy a house.

The borrower must meet the following conditions:

(1) has legal identity.

(2) having stable economic income, good 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 of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.

(6) Other conditions stipulated by the lending bank.

material

(1) Copy of ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents);

(2) Proof of the borrower's repayment ability recognized by the loan bank;

(3) Legal and effective housing purchase (construction, overhaul) contracts, agreements and relevant approval documents;

(4) Relevant certificates of self-raised funds used by the borrower to purchase (build or overhaul) the house;

(5) House sales (pre-sale) license or the property certificate of the building (existing house) (copy);

(6) Other documents and materials required by the lending bank.

Extended data:

According to the general principles of loans:

Article 22 Rights of Lenders

To independently review and decide on loans according to loan conditions and loan procedures, and have the right to refuse any unit or individual to force them to issue loans or provide guarantees, except for specific loans approved by the State Council.

1. Ask the borrower to provide information related to the loan;

Two, according to the borrower's conditions, decide whether to loan, loan amount, duration and interest rate;

Three, understand the borrower's production and business activities and financial activities;

Four, according to the contract from the borrower's account to collect the loan principal and interest;

Five, the borrower fails to perform the obligations stipulated in the loan contract, the lender has the right to require the borrower to repay the loan in advance or stop paying the loan not used according to the contract;

Six, in the loan will suffer or have suffered losses, according to the provisions of the contract, take measures to make the loan from losses.

Article 23 Obligations of the Lender:

1. The type, term and interest rate of loans operated shall be announced, and the borrower shall be consulted.

Two, the credit content of the loan review and the conditions for issuing loans should be made public.

Three, the lender should consider the borrower's loan application, and timely reply whether the loan. The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months; Unless otherwise stipulated by the state.

Four, the borrower's debt, finance, production and operation should be kept confidential, except for inquiries according to law.