But without a job, it is difficult to get a mortgage to buy a house. As long as you can provide enough stable bank flow and collateral, you can apply for a loan. Generally, if you want to go to mortgage to buy a house, you need property buyers to provide income materials.

Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments, also known as house mortgage loan.

Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The original purchase agreement;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number is 1 copy.

legal ground

Interim Measures for the Administration of Personal Loans

Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, using quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment.

The lender shall establish and improve the borrower's credit record and evaluation system. Article 20 Lenders shall, in accordance with the principle of prudence, improve the authorization management system, standardize the examination and approval procedures, clarify the authority of loan examination and approval, implement the separation of loan examination and approval, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization. Article 21 The lender shall notify the borrower of the unapproved personal loan application. Article 22 The lender shall evaluate and analyze the loan approval process according to the changes of major economic situation and the obvious increase of default rate, adjust the approval policy in a timely and targeted manner, and strengthen the management of related loans.