First, co-loan with the other half.
Joint loan by husband and wife is helpful to improve the loan pass rate and reduce the repayment pressure. For example, Yue Ming's salary is 1000 yuan, and the monthly payment for buying a house is 8,000 yuan. According to the regulations, the monthly income on the income certificate provided by Xiao Ming must reach 1.6 million yuan before he can pass the bank loan approval. When the conditions were not met, Xiao Ming and his wife Xiao Yangcan borrowed money together, and the total monthly income was 1.8 million. Xiao Ming has a high income and a stable job. He is the first lender and Xiao Yang is the second lender.
Two, appropriately reduce the loan amount or extend the loan time.
In order to control the monthly payment within 1/2 of the monthly income, we can appropriately reduce the loan amount, increase the down payment ratio and extend the loan term as much as possible. However, with the extension of the loan term, the total interest will also increase, as shown in the following figure.
Third, provide proof of part-time income.
At present, many banks recognize part-time income when approving loans, except for occupations prohibited by law, such as military personnel, civil servants and employees of state-owned enterprises.
Different banks have different regulations on the amount of part-time income and running bills. Some stipulate that the part-time income does not exceed 50% of the main income, and some require the borrower to provide part-time income for half a year, and it is necessary to negotiate with the bank in advance.
Fourth, find relatives to guarantee loans.
Some banks accept loans guaranteed by relatives, but the relationship between the guarantor and the borrower is strict. For example, they only accept the guarantee of immediate family members (parents or children), and third parties such as ex-wives and ex-husbands cannot participate in joint repayment and bear the repayment responsibility.
According to the regulations, the guarantor must have a fixed source of income, have sufficient compensation ability and have a certain amount of deposit in the loan bank. When the borrower fails to repay the loan according to the contract, the guarantor must bear the guarantee responsibility.
5. Buy a house through Heli loan and relay loan.
The so-called relay loan refers to the housing credit products in which parents are the right holders of the purchased houses and parents and children are co-borrower, and the houses are purchased by means of loans; The so-called cooperative loan means that children are the owners of the houses they buy and their parents are the housing credit products in co-borrower.
At present, some banks in Shanghai have stopped the business of "relay loan" and "heli loan" because it is easy to cause housing property disputes between parents and children.
How can people who can't issue proof of income borrow money to buy a house?
Freelancer: You can prove that you have a continuous income by providing a deposit certificate or going to a bank with income to handle a running account.
Private owners: Without proof of income, they need to provide business license, tax registration certificate, tax payment certificate (continuous tax payment time varies from place to place) or bank deposit receipt for the last six months.
When applying for a bank loan, it is easier to solve the problem of substandard income certificate. If there is something wrong with personal credit information, it will be much more difficult to get a loan, because the credit stain will be difficult to eliminate for a while. It is recommended that you check the credit report at least once a year, and once you find the credit stain, take immediate measures to make it up.