If you don't have a regular job, you can get a loan to buy a house. If the borrower does not have a fixed job, then when applying for a mortgage, it is necessary to provide proof of assets or repayment ability, so that the bank can safely issue loans to users.

Generally speaking, buying a house loan requires various materials to prove, 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 freelancers, the biggest trouble is proof of income.

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Be sure to provide true information when applying for a mortgage loan. Under normal circumstances, property buyers can apply for a mortgage loan from the bank and sign a mortgage loan contract with the bank after signing a house purchase contract with the developer.

In the consumption of the property market, developers sometimes require to sign a cross-default clause in the mortgage loan contract or separately with the purchaser: that is, if the borrower fails to repay the mortgage on time, the developer has the right to buy back the house at the original price or terminate the commercial housing sales contract.

Under normal circumstances, do not sign cross-default clauses with developers. If you must sign or have signed similar terms, you must pay attention to timely repayment to avoid the situation that developers buy back or dispose of mortgage collateral because of personal default repayment.

Baidu Encyclopedia-mortgage to buy a house