Generally speaking, a house loan requires various materials, such as proof of income, proof of marital status, proof of real estate and so on. These materials are important documents to prove that they have the ability to repay loans, among which the proof of income is the most important, which directly affects the mortgage amount, interest rate and other issues. But for most liberals, the biggest trouble is proof of income.
In addition, when applying for a loan, you need to have a salary as a voucher, which is different from the ordinary savings deposited every month and is issued by the wage bank. This is another proof that it is difficult for freelancers to apply for mortgages.
How do freelancers apply for housing loans?
The most important problem is how to prove that you have the ability to repay the loan. Lending institutions usually evaluate the borrower's loan qualification from the aspects of repayment ability and credit information. If you don't have a job, but you can provide stable bank flow and collateral, you can still get a loan. Some loan companies can still lend to unemployed borrowers if they can repay their mortgages.
Loan methods suitable for freelancers
1. secured loan
Find a guarantor with guarantee qualification and guarantee ability. A loan is a loan issued by a borrower or a third party according to law.
Because you can't guarantee yourself without a job, it is also a good choice to find a suitable guarantor. However, it should be noted in this column that many banks do not accept secured loans, so you must know clearly in advance before lending.
2. Physical mortgage
If the borrower holds state bonds, securities, stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of the goods, it can be taken away as collateral.
3. Third-party borrowing
There are many types of such loans, and the types of loans that can be seen in the market are also mixed. However, buyers should pay attention to the fact that they must choose a formal and qualified institution and be careful to fall into the scam.