Can I get a loan if I work in a different place and buy a house locally?

Yes, the amount and duration of loans granted by many banks will no longer be limited by household registration, the nature of household registration, workplace and housing type. As long as the loan conditions are met, borrowers can apply for loans regardless of whether they buy housing reform, affordable housing, ordinary commercial housing or high-grade housing, apartments, villas and second-hand houses. As long as you provide a stable income certificate, you can borrow money to buy a house.

It is also possible for two people to buy together and then use the husband's name as a loan. As long as the husband can provide a stable income certificate, the bank will see the repayment ability.

Extended data:

When buying a house with an equal principal and interest loan, the formula for calculating the monthly repayment amount is:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1]

Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.

References:

Housing loan-Baidu encyclopedia