Can you get a loan to buy a house without a job

You can get a loan to buy a house without a regular job, but you have to find someone to guarantee it and you need to produce proof of income. Because there is no fixed job loan, the bank is very risky.

Generally speaking, to buy a home loan requires a variety of 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 the loan, of which the proof of income is the most important, directly affecting the mortgage amount, interest rates and other issues. But for most liberals, the biggest trouble is the income proof.

In addition, when applying for a loan, you need a salary as proof, unlike ordinary savings deposited every month, which are issued by the payroll bank. This is another proof of the difficulty of applying for a mortgage for freelancers.

How can a freelancer apply for a home loan?

The most important question is how to prove that you have the ability to repay the loan. Lenders usually assess a borrower's loan eligibility in terms of repayment capacity and creditworthiness. If you don't have a job, but you can provide a stable bank stream and collateral, you can still get a loan. Some lending companies can still lend money to unemployed borrowers if they can repay their mortgages.

Loans for freelancers

1. Guaranteed loans

Find a guarantor who has the qualifications and ability to guarantee the loan. The loan is a loan issued by the borrower or a third party in accordance with the law

Because you can't guarantee yourself without a job, it's a good idea to find a suitable guarantor. However, this column should be noted that many banks do not accept guaranteed loans, be sure to understand clearly in advance before lending.

2. Physical collateral

If the borrower holds state bonds, securities, stocks, real estate, as well as proof of ownership of the goods bill of lading, warehouse receipts or other documents, can be taken away as collateral.

3. Third-party borrowing

There are many types of this type of loan, and the types of loans that can be found on the market are a mixed bag. However, home buyers should pay attention to, must choose the formal qualified institutions, be careful to fall into the scam.

No job can buy a house loan

From the current housing market, the price of the house is higher and higher, so most people will choose to buy a house loan, but the loan is not always able to pass the bank's approval, you want the bank to release the money to you must meet certain conditions. But some home buyers do not have a fixed job, then no job can buy a house loan? The following with the editor to see it, I believe it will give you a different insight.

No job can loan to buy a house

1, no job can loan to buy a house, but someone has to do the guarantee, at the same time to open the corresponding proof of income, the reason is that if the applicant did not yo stable job, that the bank is subject to the risk of large; usually, to buy a house loan need a variety of materials to prove, such as proof of income, proof of marital status, proof of property and so on; in addition to applying for loans The first thing you need to do is to get a good deal of money from the bank.

2, because of the need to buy a lot of money, so you need to prepare a variety of proof of information, they are to prove that they have the ability to repay the loan of the important evidence, which income proof is the most important, directly affecting the mortgage amount, interest rates and other issues. But for most freeloaders, the biggest trouble is the proof of income.

Can I get a loan to buy a house without a job?

1, you can get a loan, but you have to find someone to guarantee that you need to open a proof of income. Because there is no fixed job loan bank bear a lot of risk.

2, in general, to buy a house loan need a variety of materials to prove, such as proof of income, proof of marital status, proof of property and so on. These materials are important proof that they have the ability to repay the loan, of which proof of income is the most important, directly affecting the mortgage amount, interest rates and other issues. But for most freeloaders, the biggest trouble is the proof of income.

Summary: Well, the above is about no work can loan to buy a house, I hope to provide you with some help, I believe that in the future in no work can loan to buy a house in the process of understanding, friends will be more comfortable, to get their own satisfactory answer.

Can you buy a house without a job?

One, you can get a loan to buy a house without a job.

Second, for home buyers who do not have a formal job, you need to apply for a commercial loan to buy a house, and you need to follow the bank's process to apply for a commercial loan:

1, its borrower to fill out the "Application for Borrowing" and provide the necessary information.

2, the need for the loan bank to review the borrower's creditworthiness and information, within three weeks to formally respond to the applicant.

3, if the lending bank agrees to the loan, the borrower and lender sign a loan contract. And depending on how the loan is secured, a mortgage contract or pledge contract, guarantee contract is signed at the same time.

4, to be in accordance with national and local laws and regulations, as well as the provisions of the Construction Bank for property insurance, mortgage registration or contract notarization and other formalities; the loan bank in accordance with the contract to issue loans.

Expanded information:

A. The basic conditions of the commercial housing mortgage loan:

1, agreed to first handle the pre-purchase of commodity housing mortgage registration, and commitment to the completion of the purchased housing and obtain the housing certificate, the purchase of housing as a loan mortgage and re-registration of mortgage formalities.

2, the borrower has a stable occupation and income, good credit, the ability to repay the loan principal and interest; purchased housing is located in the town (including urban areas, county towns, large market towns) and in principle, for the borrower's current place of residence or place of work, business;

3, the amount of the loan is based on the borrower's credit, occupation, repayment ability, the ability to liquidate the purchased housing and other circumstances;

2, must be registered as a pre-purchased commodity housing mortgage, and promised to purchase housing after completion of obtaining the housing rights certificate and re-register the loan as a mortgage. p>

Two, must provide information:

1, the buyer's income certificate;

2, the applicant and his spouse's identity card, the original hukou book and a copy of three (such as the applicant and his spouse do not belong to the same hukou need to be accompanied by another proof of marital relationship);

3, the buyer and the company signed the "contract of purchase and sale of commercial real estate housing"

4, the price of the 30% or more prepayment receipts 1 original and 1 copy of the receipt for the advance payment of 30% or more of the price;

5. 1 copy of the developer's account number for the payment.

6. If the borrower is a legal person, he/she should bring a valid Enterprise Legal Person Business License or Business Legal Person License, a certificate of identity of the legal representative, a financial statement and a loan card. If it is a joint-stock enterprise, you also need to provide the company when the band technical regulations, the board of directors agreed to mortgage certificate.