Legal analysis: Yes. As long as the following conditions are met: 1. At least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China. Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank.
Legal basis: Article 388 of the Civil Code of People's Republic of China (PRC) establishes a security interest, and a security contract shall be concluded in accordance with this law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.
Second, after the divorce in Nanjing, can the party without a house immediately borrow money to buy a house?
Hello, buying a house within one year from the date of divorce is the first set. Please know the mortgage application information 1. Identity card; 2. Proof of marital status; 3. Proof of repayment ability and income; 4. Proof that the down payment for house purchase has been paid; 5. A legally binding commercial housing sales contract signed with a real estate developer; 6. If there is a * * * borrower or a * * * owner, the * * * borrower or the * * * owner shall provide relevant identity documents and a pledge to agree to mortgage, and if there is a * * * borrower, proof of repayment ability shall be provided; 7. Other information required by the bank.
3. Can a divorced party use the real estate license for a loan?
Just change the room book to your own name first.
I am divorced now: can I buy a house right away? How long can I get a loan to buy a house?
Whether you can get a loan to buy a house immediately after divorce mainly depends on the relevant regulations of the bank. Under normal circumstances, the real estate management department has no special requirements for buying a house after divorce. It is only necessary to clarify the division of property after marriage and the real estate situation under the name. At present, many banks have issued policies. For divorced people who apply for the first home loan, they must divorce for more than 1 year before they can lend money, which plugs the loophole of "suspected fake divorce to buy a house", that is, when the bank reviews, for borrowers whose husband and wife have real estate during the marriage relationship, although they have no real estate in their own names after divorce, they must be divorced for more than 1 year before they can meet the requirements of issuing loans according to the first home loan standard; Or ask for a divorce for more than 3 months before applying for a mortgage. Mortgage: The buyer fills in the application for mortgage loan to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee letter. After passing the examination, the bank promises to issue loans to the buyer, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Factors affecting the years of buying a house and the term of mortgage: 1: the age of the loan applicant. When banks evaluate the repayment period of mortgage loans for borrowers, they first take their age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age loan period does not exceed 65 years" is the loan period that the bank can handle for it. 2. Loan Age When a lender purchases a property, the "age" of the purchased property will determine how many years it can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room. For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses. 3. The economic ability of the loan applicant On the other hand, for the applicant who buys a house with a loan, work income, job stability, savings deposits, assets, etc. are also factors that the bank considers, and they are also factors that measure the application time of their loan years. Borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure. For example, 70% 10 or 15, or even 60% to 50% loan scheme. Borrowers with poor economic strength should pay attention to whether their economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans as high as 80% to 20 years.