Self-employed people do not need proof of income. The income certificate needs to be issued by the unit and the official seal of the unit, and the self-employed cannot issue it. Self-employed households only need to provide their own bank accounts and tax payment certificates, and do not need proof of income.

The process of buying a house with a loan

1.

Before buying a house, buyers should first understand whether they meet the local conditions for buying a house, especially those friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house. Generally speaking, buyers with local hukou can buy the first suite locally, and some cities will require buyers with foreign hukou to pay social security.

2. Estimate the purchase funds

Buying a house with a loan is not just a down payment. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures. Before buying a house, everyone should have thought about what kind of house to buy, and have some understanding of the down payment required for buying a house with a loan, but we must not ignore other expenses such as taxes, maintenance funds, property fees and decoration fees in the later period.

3. Looking at the house and choosing a house

Property buyers should follow a principle when choosing a house, that is, what suits them is the best. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various problems such as apartment type, floor and environment. In addition, buyers need to know more about the developers and whether the real estate developed and built by the developers is supported by banks, because some real estate projects may not be able to apply for loans.

4. Pay the down payment and sign the contract

Although most buyers will pay a deposit after choosing a house, the deposit is voluntary and buyers can choose not to pay it. After the buyer chooses the house, it is time to pay the down payment and sign the contract. I believe everyone knows the importance of the purchase contract, so when signing the purchase contract, the buyer must pay attention to whether the content is perfect or not, whether there are controversial places, including the division of responsibilities after delivery and the handling methods of emergencies.

5. Go through the mortgage formalities

After the house purchase contract is signed, the buyers can go to the bank to handle the mortgage formalities with the information prepared in advance. There are generally two kinds of mortgage loans: provident fund loans and commercial loans. If property buyers meet the conditions of provident fund loans, it is naturally good and can save a lot of interest expenses. But there are many restrictions on provident fund loans. If they don't meet the requirements, they don't have to be forced. Property buyers should choose their own way according to their actual situation.

6. House handover

If you buy an auction house, you usually have to wait a year or two to pick it up. If you buy an existing house, it will not take long to deliver it. When handing over the house, buyers must carefully check every corner of the room, fill in the house inspection report item by item, and communicate with the developer in time when problems are found.