Not everyone has a work unit, so if you need to issue an income certificate, there will be no work unit to provide you with an income certificate. At this time, you can prove your income through some other methods. If you are self-employed, you can provide business license, tax payment certificate and bank deposit list. If you are a freelancer, if you have a bank deposit, you can provide proof of deposit. If you don't have it, you should go to the bank to check the income statement for the past six months, because the statement can prove that you have sustained income.

What materials do you need for real estate loans?

1. A copy of the second-generation ID card and a copy of the household registration book are required for housing loans.

2. The original work certificate stamped by the current work unit of the housing loan lender (if it is a self-employed person or the person in charge of the company, a copy of the business license or equity certificate is required).

3. The original proof of personal income of the housing loan (for example, you can choose one of the last six months' salary or six months' personal income).

4. Original personal credit report (which is beneficial to all white households, or slightly overdue, and blacklisted banks cannot pass the examination and approval).

5, housing loans need to carry proof of marital status (copy of marriage certificate, copy of divorce certificate, original single certificate, according to their own situation, you can choose one of the three).

How to apply for housing loan?

1, housing loan processing process is very simple, first of all, you have to sign a purchase contract or agreement with the developer.

2. Then go to the commercial bank to fill in the mortgage application form and submit the relevant mortgage materials and procedures. If you apply for a housing provident fund loan, you need to submit an application to the local provident fund management center first, and then go to the commercial bank after the provident fund is approved.

The commercial bank will examine your application and materials.

4. After approval, we will confirm the loan term, interest rate and amount with you, and then sign the mortgage contract.

5. Then go to the local housing management center for mortgage notarization and other procedures. After the formalities are completed, commercial banks begin to lend money.