Changing jobs will not affect the housing loan. As long as the credit report is good and the bank regulations are met, you can apply for a housing loan. The housing loan depends on whether it is a first-hand house or a second-hand house, as follows:

1. First-hand house mortgage loan

If you are buying a newly developed house, you need to use the newly purchased property as a mortgage and apply for a mortgage loan for the lender yourself.

Loan procedures require: Identity certificates of the borrower and his wife, household register, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), house-free certificate, unit income certificate, guarantee company proof of guarantee.

Generally, developers collectively handle first-hand housing mortgages, which is relatively simple.

2. Second-hand house mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures require: identity certificates of the buyer and seller, household register, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax receipt, appraisal report, income certificate of the buyer and his wife and no house ownership prove.

When applying for a mortgage loan, the buyer and the seller need to go to the housing management department to sign the contract online and then go to the bank to apply for a second-hand housing mortgage loan. After that, they go to the housing management department to go through the transfer procedures, apply for mortgage registration after issuing the certificate, and go to the bank to withdraw money. loan. More exciting content sources: Find a lawyer in Nanchang /nanchang