Individual merchants borrow money to buy a house, and normal loans are ok. However, individual merchants do not have work certificates. When they prove their earning power, they only have the bank running water. When they open a bank, they have to calculate all their income. Except for proof of income, other loans are no different from ordinary loans.

Conditions for applying for housing loans

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.

Loan purchase process

1. The project sales team signs a house purchase contract with the buyers and pays the required down payment according to the contract requirements.

2. Apply for contract registration to the real estate trading center market within 5 days from the date of signing the commercial housing sales contract.

3. Within seven days from the date of voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the company's cooperative bank. Specifically, it includes: house sales contract (registration), house payment receipt, ID card, marriage certificate, income certificate and other materials that the bank considers necessary.

4. The loan bank investigates and reviews all aspects of the situation and procedures of the buyers, and goes through the preliminary procedures together with the buyers who meet the basic conditions (including the buyers' wives), including loan application, joint repayment statement, commitment letter, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval.

5. The application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.