Second, for buyers who have no formal job, they need to apply for commercial loans to buy a house, and they need to follow the bank's process:

1. The borrower fills in the loan application form and provides the necessary information.

2. The lender shall review the borrower's credit status and information, and give the applicant a formal reply within three weeks.

3. If the lender agrees to the loan, the borrower and the lender sign a loan contract. According to the different loan guarantee methods, mortgage contract, pledge contract and guarantee contract should be signed at the same time.

4, according to national and local laws and regulations, as well as the provisions of the Construction Bank, for real estate insurance, mortgage registration or contract notarization and other procedures; The lending bank issues loans according to the contract.

Extended data:

First, the basic conditions of commercial housing mortgage loans:

1. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as loan mortgage and go through the mortgage registration formalities again after the purchased house is completed and the property ownership certificate is obtained.

2. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. The loan amount is determined according to the borrower's credit status, occupation, repayment ability and the liquidity of the purchased house.

Second, information must be provided:

1, income certificate of the purchaser;

2, the applicant and his spouse's identity card, residence booklet and three copies of the original (the applicant and spouse do not belong to the same account, need to attach a marriage certificate);

3. The commercial housing sales contract signed by the purchaser and the company;

4. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

5. The developer's collection account number is 1 copy.

6. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate of consent of the board of directors.

References:

Baidu encyclopedia-loan to buy a house