1. A loan guarantor refers to a legal person, other organization or citizen who has the ability to pay off debts on behalf of the guarantor and creditors and can act as a guarantor. According to the relevant provisions of the Measures for the Administration of Personal Housing Loans promulgated by the People's Bank of China, the object of personal housing home purchase guarantee loans is a natural person with full capacity for civil conduct, and must meet the following conditions: permanent residence in cities and towns or valid residence status.

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; There is a purchase contract or agreement; Open a savings account in a loan bank (or pay the housing provident fund deposit), and the balance of the deposit accounts for not less than 30% of the amount required for buying a house, which will be used as the down payment for buying a house; The guarantee company agrees to use the assets recognized by the guarantee company as collateral, repay the principal and interest of the loan for the borrower and assume joint liability as a guarantor.

What should I pay attention to when buying a house with a loan?

1, consult more banks.

Different banks have different loan policies. Generally, developers have cooperative loan banks when buying new houses, but if you buy existing houses or second-hand houses, you can choose your own loan banks. Therefore, property buyers can consult several banks and compare more before buying a house. From the perspective of borrowers, the more choices they have, the better.

2. Provident fund loans are better.

Provident fund loan is the loan with the lowest interest rate among several loan methods. If property buyers meet the conditions of provident fund loans, choosing provident fund loans can save a lot of loan interest. However, it should be noted that some friends met the conditions of provident fund loans, and as a result, they did more and were refused loans by banks. Remind everyone that if you apply for a loan, don't touch the provident fund. If you withdraw the balance of the provident fund account, you will not be able to apply for a provident fund loan.

3. Never break the loan.

The loan period for buying a house is very long. During this period, property buyers are likely to encounter the situation that funds are not around. During the loan period, when your solvency drops and you have difficulty in repayment, don't insist on it yourself, and you must not break the loan. At this time, we must first communicate with the bank, and there are many ways to avoid mortgage default.