1. If the user is a freelancer, he can provide his own business license, tax registration certificate, tax payment certificate, etc.

2. If it is a small vendor, you can have a certificate of income issued by the competent market department;

3. If the lender owns his own property, he can also directly mortgage it.

In short, banks need users to provide proof of income, just to ensure that users have sufficient repayment ability. As long as you provide proof of your strong repayment ability, then freelancers can also get housing loans.

Matters needing attention in buying a house by loan

1. Try not to use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, the prepayment should be made after 1 year, and the amount you return should exceed the repayment amount of 6 months.

If it is difficult to repay the loan, you can apply to the bank for an extension. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. If it is verified by the bank that you have not defaulted on the loan principal and interest, ICBC will accept your application for extension.

4. Don't forget to inform the renting obligation after the loan. Many people will ignore this. If the owner rents the mortgaged house during the loan period, he must inform the lessee of the mortgage fact in writing.

Don't forget to cancel the mortgage after the loan is paid off. After the borrower has paid off all the loan principal and interest, he can go to the district or county real estate trading center where the real estate is located to cancel the mortgage with the bank's loan settlement certificate and other rights certificate of the collateral.

6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you must take good care of your contracts and IOUs.