Can I get a loan to buy a car and a house, Zhihu?

Can a mortgage loan be used to buy a car or a house?

Legal analysis: Even if you have a car loan, you can still borrow money to buy a house. The conditions for buying a house by loan are as follows:

1. loan purpose: it is used to support individuals to buy and overhaul houses in Chinese mainland towns. At present, its main products are personal housing loans with mortgage and installment guarantee, commonly known as "personal housing mortgage loans".

2. Loan targets: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Can I still get a mortgage to buy a car and a loan to buy a house?

As far as I know, even if there is a car loan, you can still borrow money to buy a house. Buying a house with a car loan requires the following conditions:

1. Use of house purchase loan: used to support individuals to buy or overhaul houses in Chinese mainland towns. At present, its main products are mortgage and installment guarantee personal housing loans, commonly known as "personal housing mortgage loans".

2. Loan purchasers: citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in the Mainland, and foreigners with full capacity for civil conduct with the right of abode in the Mainland.

3. Conditions for buying a house by loan: The borrower must meet the following conditions at the same time:

(1) The borrower has legal status;

(2) The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

(3) The borrower has legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

(4) The borrower has self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guarantees to pay the down payment of the purchased (overhauled) house;

(5) The borrower has 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.

To sum up, people who have car loans can continue to borrow money to buy a house as long as they meet the corresponding loan conditions. I hope I can help you.

Can I get a loan to buy a car or a house?

If you need to apply for "individual first-hand housing loan" from China Bank, the main loan conditions include:

1. Have permanent residence or valid residence status in China;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations; 5. Provide effective guarantee recognized by the lender; 6. Other conditions stipulated by the lender.

Please consult the local branch of Bank of China for details.

The above contents are for your reference. Please refer to the actual business regulations.

Can I get a loan to buy a car or a house?

Even if you have a car loan, you can still borrow money to buy a house. The loan conditions have legal status; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.

Article 134 of the Civil Code

A civil juristic act can be established unanimously or unilaterally based on the will of two or more parties. If a legal person or an unincorporated organization makes a resolution in accordance with the way of discussion and voting procedures stipulated by law or articles of association, the resolution is established.

Can I get a loan to buy a car or a house?

You can buy a house with a car loan. Car loan and mortgage are two different financial products, which do not affect each other. Car loan is a car loan, and mortgage is a mortgage, which does not affect each other. Under normal circumstances, car loans can be used for loans, indicating that your credit information is better, your income is ok, and mortgages can be used for loans. Although having a car loan may affect the mortgage amount, it does not affect the application for a mortgage. However, no matter what kind of car loan, once the car loan is overdue, it is basically impossible to apply for a mortgage.

1. car loans, loans from auto financing companies, basically do not affect the loan amount, because banks do not know your specific situation, as long as there is no overdue car loans, they will evaluate your loan amount according to normal income and assets.

2. Car loan and mortgage, if they are the same bank, are not overdue, the repayment is positive, and the income is OK. Considering your good credit and repayment ability, giving you a higher amount of mortgage is conducive to applying for a loan; Car loan and mortgage, if you don't apply for a loan from the same bank, this amount may have an impact. Considering that you have already had a car loan before, you may reduce the mortgage amount.

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1. Mortgage is a mortgage loan, which means that the buyer fills in an application for mortgage loan to the bank and provides ID card, income certificate, house sales contract, guarantee and other documents that must be submitted according to legal documents. After passing the examination, the bank promises to issue loans to the buyer, and handle the real estate mortgage registration and notarization 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 allocates loan funds within the time limit stipulated in the contract.

2. Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and owners of real estate, including developers and second-hand housing owners, also need to evaluate the participation of companies and mortgage guarantee companies when applying for loans. Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.