You can borrow money to buy a house, as long as you need it. Ok, for example, the proof of a small month's turnover and tax amount can be used for loans. Even if you are a freelancer, you still have a source of income. You just need to provide proof of your source of income. I once had a client who didn't have a job, but he had two houses for rent. His income is rent, and he got a loan after providing rent. Finally, I ask weakly, have you paid taxes? Paying taxes is the duty of every citizen. If your source of income cannot provide proof, you can't provide proof of tax payment. That's trouble
Second, I want to buy a house. What about the loan procedures?
The procedures for buying a house with a loan are: 1, ID card (for two people), household registration book (for two people, mainly the first page of the household registration book and the page with your name on it), marriage certificate (those who are not married should sign an agreement to buy a house together). The main contents of the agreement are how much you both contribute to the house, how much the loan is shared, and the real estate. ) 4. proof of income (for two people) this is all the proof you provided. Others need down payment invoices, purchase contracts, etc. The developer will do it for you.
3. What are the procedures and processes for buying a house loan?
The main thing is to prepare complete information!
Household registration book 2. Id card 3. Proof of income (sample provided by the lending bank) 4. Payroll card or income bank card running bill must be stamped by the bank! 5. Academic certificate. Certificate of the first suite (issued at the county real estate trading center where the real estate is purchased and sold) 7. No loan certificate (issued by the head office of the local people's bank) 8. Non-local accounts need to apply for temporary residence permits or temporary residence permits.
The application conditions are as follows:
The lender's application; The borrower goes to the loan bank to fill in the Application Form for Personal Housing Loan and submit the following materials: ① the borrower's ID card and household registration book; (2) Letter of Intent for House Purchase or other supporting documents; (3) A certificate of stable income of the borrower's family issued by the borrower's unit; (4) Other certificates required by the lending bank. (Copies of the seller's real estate license, ID cards of several property owners and spouses, and marriage certificates are also required for second-hand houses.)
Audit of loan bank: the loan bank will audit the borrower's loan application and other supporting materials, issue a loan commitment letter after the approval, and sign a mortgage contract with the borrower.
The borrower has insured the mortgaged house; The borrower holds the house purchase contract to the insurance institution designated by the loan bank to handle the insurance of the mortgaged house. Now banks generally do not have compulsory insurance, which is a voluntary principle.
The borrower signs a personal housing mortgage loan contract with the loan bank; The borrower shall sign the Personal Housing Mortgage Loan Contract with the third party (legal person) guarantor at the loan bank with the purchase contract (appraisal report and new real estate license are required for second-hand houses), mortgage contract, custody contract and insurance policy, and go to the real estate management authority for mortgage registration within 30 days. If the parties request notarization, they can go to the notary office for notarization.
Loan bank transfer; The loan bank will transfer the loan to the deposit account of the selling unit stipulated in the purchase contract.
Extended data:
The specific procedures for property buyers to apply for real estate mortgage are as follows:
(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.
(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion.
Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.
The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.