As we all know, buying a house loan requires a stable job and income, and there are also many freelancers and people who do their own small businesses, so they can't improve their income certificates and other materials. So, if they have no job to buy a house, can they get a loan?

Can I get a loan if I have no job to buy a house?

Under normal circumstances, the purchase of real estate requires identification, income proof, marriage certificate and other related materials, especially income proof. The proof of income represents whether the loan applicant has the repayment ability and directly affects whether the bank decides to lend.

If you don't have a job and need a loan to buy a house, you can also use stable bank flow and collateral, and you can prove your repayment ability through corresponding loans or other means under good conditions such as the applicant's credit information, as shown below:

1, secured loan

You can find a guarantor who has a stable job and has the ability to guarantee. If the guarantor agrees to guarantee, you can also borrow money from the bank, so it is also a good choice to find a guarantor to lend money.

2. Physical mortgage loan

If the loan applicant holds various financial certificates such as bonds, securities, stocks and real estate. It can also be used as proof of loan repayment ability, and you can also apply for a loan through a bank.

3. Third-party secured loans

There are many ways of this kind of loan, and there are also many loan guarantee companies in the market at present. At this time, it is necessary for the loan applicant to pay attention to choosing a formal and reputable guarantee company for guarantee; However, this method is the most expensive and its procedure is relatively troublesome. Unless absolutely necessary, try not to use a third-party guarantee company to guarantee loans.

4. Issue a tax payment certificate loan

In the absence of a job, an applicant can also apply for a loan if he can improve the tax certificate paid in the last two years. The bank will determine the income and repayment ability of the applicant according to the tax payment of the applicant.

For housing loans without jobs, generally speaking, it is necessary to meet the conditions of the bank for loan applicants, and you can still apply for loans from the bank; Generally speaking, as long as the bank determines that the personal income is twice the monthly repayment, it will lend.

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

If you don't have a formal job, you can borrow money to buy a house, but only if you convince the bank that you can repay the loan on time.

If you have government bonds, stocks, real estate licenses or other documents to prove the ownership of goods, you can apply for a mortgage loan. It should be noted that different banks need different application materials, so you must prepare the materials completely before applying, so as not to affect the loan application.

Conditions to be met for housing loan:

1, a natural person who has reached the age of 18 and has full capacity for civil conduct and full capacity for civil liability, and has a permanent residence in the town or a legal and valid residence certificate;

2. Pay the down payment;

3. Have a stable legal income and the ability to repay interest;

4. At the time of application, the buyer has its own funds not less than 20% of the purchase price.

5. The borrower agrees to use the purchased house and its rights and interests as collateral;

6. The purchased second-hand houses have clear property rights and meet the conditions stipulated by the government for entering the real estate market;

7. The purchased house is not within the scope of the announcement.

8. Other conditions required by the lending bank.