Provide proof of income
2. I am a farmer. How do I apply for a housing loan? Is it easy to apply?
In this crisp autumn weather, I am very happy to share my views on this issue with you. Here we walk into this problem together, and now let's discuss it together.
Farmers apply for housing loans as follows: first, the applicant's ID card, the original and photocopy of the household registration book, and the marriage certificate; Second, the applicant's family income materials and related certificates; Third, the applicant has a stable and legitimate economic income and the ability to repay interest; The applicant must have the mortgage of house rights and interests and the guarantee of relevant personnel; Fourth, the applicant should prepare relevant materials and fill in the loan application form in the bank, and the bank will lend money after your materials are approved.
I will share the following quality contents with you. First of all, I would like to share my personal views and thoughts on this issue. I also hope that my sharing can bring you help and happiness, and I hope that you will like my sharing.
Theoretically speaking, you must have a down payment, and the rest can be paid to the developer or the original homeowner through bank loans. If you want to borrow money to make up the down payment, the state is not allowed. I suggest you don't do it either There is too much pressure to repay the loan. It is possible that the capital chain will be broken, which will affect the living standard and credit information will be greatly affected. If the credit information is not good, it will be difficult to move in the future, and it will also have a certain impact on children! So think twice before you act, act and cherish!
If you have the down payment, it will be easier for you to get a loan from the bank. For the new house, the property consultant will tell you the materials you need, and you can prepare according to her! The information is ready, just give it to the property consultant! If it is a second-hand house, just prepare the materials directly according to the intermediary, usually work (income) certificate, marriage certificate, bank running water, ID card and so on! If there is no intermediary, go directly to the bank to consult and prepare materials!
Above, my wonderful sharing is the answer to this question, all my true thoughts and opinions. At the same time, I hope that the answer to this question I shared can help everyone.
I also hope that everyone will like my answer. If you have a better answer and opinion on this question, please share your comments and join us in this topic.
I'm here, and I sincerely wish you all happiness, health, family and prosperity every day, make a fortune every year and prosper your business. Thank you.
Finally, everyone is welcome to speak freely on this issue. If you like me, remember to pay attention to it and share and answer my thoughts and opinions for you every day.
3. If I am a farmer but my salary is enough to repay the loan, can I apply? I have a real estate license.
It should be possible, as long as you don't ask.
4. Can migrant workers get mortgages? Just meet these requirements!
With the improvement of residents' income and the rapid development of cities, more and more people choose to settle in cities, and migrant workers as urban builders are no exception. Many migrant workers want to borrow money to buy a house in the city, but I don't know if they can. So, can migrant workers get mortgages? Let's introduce the relevant policies for everyone.
According to the regulations, migrant workers can borrow money to buy a house, but they need to meet certain conditions. Here are the conditions that migrant workers need to meet when applying for a mortgage. The conditions for applying for a mortgage are: 1, age between 18-65, good health and good personal credit; 2. Can provide legal and valid identification and proof of marital status; 3. The income is stable, and you can provide the bank with proof of salary income, bank running list and tax payment certificate. 4. Have the ability to pay down payment, and can provide commercial housing sales (pre-sale) contract or letter of intent; 5, must meet the local government's residence time requirements for property buyers, or social security payment time requirements. Generally speaking, migrant workers can apply for mortgages, but they must meet the requirements of bank lending and local government housing purchase policies. Generally speaking, the limiting factor for migrant workers to buy a house is that it is difficult to produce proof of income, so everyone can ask their own community for help.