You can still apply for a loan without proof of income. Private owners can borrow money to buy a house without proof of income. In view of this situation, ordinary banks will require buyers to provide industrial and commercial business licenses, tax registration certificates, tax payment certificates or bank deposit slips for nearly six months. With these materials, banks can judge the repayment ability of buyers. If freelancers have deposits, it is also feasible to provide proof of deposits. If there is no deposit, you can also provide POS records, WeChat and Alipay running bills, which can also be used as proof.

What are the conditions for buying a house with a loan?

1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.

5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

Matters needing attention in buying a house by loan

1, make good use of the provident fund

Because the interest rate of provident fund loans is relatively favorable, it is very important for customers who pay the provident fund every month to make good use of their own provident fund. At present, the amount of provident fund loans applied by customers generally does not exceed 80% of the total house price at most, and the longest loan period is 30 years; The commercial loan amount (above 90 square meters) shall not exceed 70% of the total house price, and the longest loan shall be 30 years; The construction area of a single set of one-hand self-occupied housing is less than 90 square meters (including 90 square meters), and the loan according to the customer's credit status does not exceed 80% of the house price; At present, the loan amount of portfolio loans is the sum of provident fund and commercial loans, which does not exceed 70% of the total house price.

2, multi-party comparison and selection of banks

Different commercial banks have choices in down payment ratio, loan term and loan interest rate, and have corresponding personal loan schemes for different customer groups. Some commercial banks provide mortgage refinancing services. Customers who have applied for personal housing loans in these banks can also transfer their housing loan business to banks that are more suitable for them.

3. Comprehensive measurement of interest rate concessions

Interest rate is the most important price factor in mortgage loan. In recent years, many commercial banks have launched fixed-rate personal housing loan services, allowing buyers to choose fixed-rate loans or floating-rate loans according to their own judgment on the interest rate trend in a certain stage in the future. Moreover, most banks can flexibly switch between fixed-rate loans and floating-rate loans.

4. Repay on time to avoid penalty interest.

It is very important for customers to ensure timely repayment every month after handling the mortgage. If you don't repay the loan in time due to carelessness or other reasons, you will not only pay the penalty interest to the bank, but also affect your credit history. This kind of loss is far from being compensated economically. Therefore, borrowers must have a long-term and prudent consideration of their repayment ability when handling personal housing loans.