Q: I want to know how Nanchang self-employed people can borrow money to buy a house. What conditions does Nanchang self-employed loan need to buy a house? What are the procedures for Nanchang self-employed loan to buy a house? Is it difficult for Nanchang self-employed households to borrow money to buy a house? I have a restaurant in Nanchang, and I plan to buy a house in Nanchang at present. It is said that bank loans need proof of work and proof of income. Can't provide proof of work, and now there is no housing provident fund. Want to know how to apply for Nanchang self-employed loan to buy a house? What procedures and materials do Nanchang self-employed people need to provide to buy a first-hand house? By the way, our business license and tax records are complete. Answer: Nanchang self-employed people do not need to provide proof of work, but they need to provide proof of income. You can go to the bank to open a bank account, which will take at least half a year. At the same time, the basic process of Nanchang self-employed loan to buy a house is as follows: Step 1: Before applying for a loan, the borrower should first know whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan and fills in the loan application approval form. Submit the original and photocopy of relevant materials (down payment voucher, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank. Step 2: Developer: As a guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form. Step 3: loan bank: the loan officer examines all the materials and documents submitted by the loan applicant. Step-by-step examination and approval Step 4: The loan bank takes back the completed materials and issues loans according to the legally effective loan contract Step 5: The property right registration notary department of the Land and Resources Bureau handles the mortgage registration procedures of real estate property rights Step 6: Inform the developer to take back the loan contract and issue the certificate that the developer has paid the house price to the loan bank Step 7: Inform the borrower to take back the loan contract, the receipt and the insurance policy Step 8: The loan officer of the loan bank files the loan.