If you don't have a fixed job, you can borrow money to buy a house, but if you want to find someone to guarantee, you need to issue a proof of income. Because there is no fixed job loan, banks are very risky. Generally speaking, a house loan requires various materials, such as proof of income, proof of marital status, proof of real estate and so on. These materials are important documents to prove that they have the ability to repay loans, among which the proof of income is the most important, which directly affects the mortgage amount, interest rate and other issues. But for most liberals, the biggest trouble is proof of income. In addition, when applying for a loan, you need to have a salary as a voucher, which is different from the ordinary savings deposited every month and is issued by the wage bank. This is another proof that it is difficult for freelancers to apply for mortgages. How do freelancers apply for housing loans? The most important problem is how to prove that you have the ability to repay the loan. Lending institutions usually evaluate the borrower's loan qualification from the aspects of repayment ability and credit information. If you don't have a job, but you can provide stable bank flow and collateral, you can still get a loan. Some loan companies can still lend to unemployed borrowers if they can repay their mortgages. Loan methods suitable for freelancers 1. Find a guarantor with guarantee qualification and guarantee ability for secured loans. A loan is a loan issued by a borrower or a third party according to law. Because you can't guarantee yourself without a job, it is also a good choice to find a suitable guarantor. However, it should be noted in this column that many banks do not accept secured loans, so you must know clearly in advance before lending. 2. Physical mortgage If the borrower holds state bonds, securities, stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of the goods, it can be taken away as collateral. 3. There are many types of third-party loans, and the types of loans that can be seen in the market are also mixed. However, buyers should pay attention to the fact that they must choose a formal and qualified institution and be careful to fall into the scam.

Can I borrow money to buy a house without a formal job?

If you don't have a fixed job, you can borrow money to buy a house, but if you want to find someone to guarantee, you need to issue a proof of income. Because there is no fixed job loan, banks are very risky.

Generally speaking, a house loan requires various materials, such as proof of income, proof of marital status, proof of real estate and so on. These materials are important documents to prove that they have the ability to repay loans, among which the proof of income is the most important, which directly affects the mortgage amount, interest rate and other issues. But for most liberals, the biggest trouble is proof of income.

In addition, when applying for a loan, you need to have a salary as a voucher, which is different from the ordinary savings deposited every month and is issued by the wage bank. This is another proof that it is difficult for freelancers to apply for mortgages.

How do freelancers apply for housing loans?

The most important problem is how to prove that you have the ability to repay the loan. Lending institutions usually evaluate the borrower's loan qualification from the aspects of repayment ability and credit information. If you don't have a job, but you can provide stable bank flow and collateral, you can still get a loan. Some loan companies can still lend to unemployed borrowers if they can repay their mortgages.

Loan methods suitable for freelancers

1. secured loan

Find a guarantor with guarantee qualification and guarantee ability. A loan is a loan issued by a borrower or a third party according to law.

Because you can't guarantee yourself without a job, it is also a good choice to find a suitable guarantor. However, it should be noted in this column that many banks do not accept secured loans, so you must know clearly in advance before lending.

2. Physical mortgage

If the borrower holds state bonds, securities, stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of the goods, it can be taken away as collateral.

3. Third-party borrowing

There are many types of such loans, and the types of loans that can be seen in the market are also mixed. However, buyers should pay attention to the fact that they must choose a formal and qualified institution and be careful to fall into the scam.

I know. By the way, can't I get a loan to buy a house without a formal job?

Under normal circumstances, when we apply for a loan, the bank will ask us to provide proof of work income, so most people think that they can't borrow money to buy a house without a fixed job. But in fact, if you don't have a job, you can also borrow money to buy a house. Banks will ask buyers to provide proof of work income, mainly to prove repayment ability. If you don't have a fixed job to buy a house and want a loan, you should consider other ways to prove your repayment ability. For example, buyers can provide stable bank flow and collateral.

What do I need to prepare for a loan to buy a house?

1, verify the purchase qualification.

Since many cities now have the policy of buying a house, before buying a house, everyone must first find out whether they meet the local conditions for buying a house. In many cities, buying a house is related to hukou and social security. For example, some cities stipulate that buyers with local hukou can buy the first suite locally. However, if foreigners do not have local hukou, the flowers that want to buy a house need to meet certain tax or social security requirements.

2. Pay attention to loan restrictions

Now more and more people buy houses through bank loans, and the bank's approval of loans is becoming more and more strict. Many loan banks have restrictions on borrowers, such as their age. In China, the age limit for housing loans is 18 years old, but in reality, many people are not financially independent when they are 18 years old, so many banks may be over 20 years old in actual operation. In addition, it should be noted that under normal circumstances, banks will require borrowers' age and loan life not to exceed 65 years old, and individual banks may be different.

3. Pay attention to the loan method

At present, there are three main ways to buy a house by loan: provident fund loan, commercial loan and portfolio loan. Among these three loan methods, provident fund loan is the most popular one. At present, most companies pay personal provident fund for employees, but in fact, there are still a few friends who can buy a house with provident fund loans. At this time, there are many restrictions on provident fund loans. If a friend intends to buy a house with a provident fund loan, he must know the rules in advance.

4. Pay attention to the repayment method

In addition to the loan method, you can also choose the repayment method. At present, there are two basic repayment methods: average principal and equal principal and interest. The repayment method of equal principal and interest is recommended by the bank, and the lender can accurately grasp the monthly repayment amount and arrange family expenses in a planned way. The repayment method in average capital is different. Although the total interest is small, it is suitable for some people with higher income.

The above is an introduction about whether you can borrow money to buy a house without a job and what to prepare. Buying a house with a loan is not a simple matter. There are many things that need to be prepared before applying for a loan, and there are many things that need to be paid attention to after handling the loan procedures. The most important thing is to apply for a loan according to your own situation and avoid being overburdened.

I don't have a job and want to buy a house. Can I get a loan from the bank?

At present, most loans require the borrower to have a stable job and income, the ability to repay the principal and interest of the loan on time, and a good credit record, otherwise it is difficult to get the loan. However, if the borrower can provide collateral as collateral, the lending institution can appropriately relax the loan threshold, and compared with banks, companies, pawn shops, guarantee companies and other third-party lending institutions have lower loan thresholds, such as pawn shops' mortgage loans. As long as the borrower can provide "house ownership certificate, state-owned land use certificate, purchase contract/purchase invoice, valid identity certificate of husband and wife, marriage certificate and income certificate", the application can be made.

In addition, work is not the only factor to judge whether a loan can be made, but also depends on whether the borrower has the ability to repay in full and on time and whether his credit record is good. Moreover, when looking for a lending institution, the borrower should not just stare at one institution. Instead, he wants to compare several institutions, and then find out the institution that best meets his own conditions to handle the loan, because the loan requirements of different institutions are different.

Can I borrow money to buy a house without a job?

If you have no job but can provide proof of repayment ability, you can borrow money to buy a house.

According to Article 6 of the Measures for the Administration of Individual Housing Loans, the borrower shall provide the lender with the following information:

I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);

2. Proof of the stable income of the borrower's family;

Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;

Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;

6. Other documents or materials required by the lender.

Extended data:

Article 21 of the Measures for the Administration of Individual Housing Loans: If the pledge method is adopted, the pledgor and the pledgee must sign a written pledge contract. "People's Republic of China (PRC) Guarantee Law" requires registration, it shall go through the registration formalities. The relevant contents of the pledge contract shall be implemented in accordance with Article 65 of the Guarantee Law of People's Republic of China (PRC). The effective date shall be implemented in accordance with the provisions of Articles 76 to 79. When the borrower pays off all the loan principal and interest, the pledge contract is terminated.

Twenty-second before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation.