Under normal circumstances, when we apply for a loan, the bank will ask us to provide proof of work income, so most people think that they can't borrow money to buy a house without a fixed job. But in fact, if you don't have a job, you can also borrow money to buy a house. Banks will ask buyers to provide proof of work income, mainly to prove repayment ability. If you don't have a fixed job to buy a house and want a loan, you should consider other ways to prove your repayment ability. For example, buyers can provide stable bank flow and collateral.

What do I need to prepare for a loan to buy a house?

1, verify the purchase qualification.

Since many cities now have the policy of buying a house, before buying a house, everyone must first find out whether they meet the local conditions for buying a house. In many cities, buying a house is related to hukou and social security. For example, some cities stipulate that buyers with local hukou can buy the first suite locally. However, if foreigners do not have local hukou, the flowers that want to buy a house need to meet certain tax or social security requirements.

2. Pay attention to loan restrictions

Now more and more people buy houses through bank loans, and the bank's approval of loans is becoming more and more strict. Many loan banks have restrictions on borrowers, such as their age. In China, the age limit for housing loans is 18 years old, but in reality, many people are not financially independent when they are 18 years old, so many banks may be over 20 years old in actual operation. In addition, it should be noted that under normal circumstances, banks will require borrowers' age and loan life not to exceed 65 years old, and individual banks may be different.

3. Pay attention to the loan method

At present, there are three main ways to buy a house by loan: provident fund loan, commercial loan and portfolio loan. Among these three loan methods, provident fund loan is the most popular one. At present, most companies pay personal provident fund for employees, but in fact, there are still a few friends who can buy a house with provident fund loans. At this time, there are many restrictions on provident fund loans. If a friend intends to buy a house with a provident fund loan, he must know the rules in advance.

4. Pay attention to the repayment method

In addition to the loan method, you can also choose the repayment method. At present, there are two basic repayment methods: average principal and equal principal and interest. The repayment method of equal principal and interest is recommended by the bank, and the lender can accurately grasp the monthly repayment amount and arrange family expenses in a planned way. The repayment method in average capital is different. Although the total interest is small, it is suitable for some people with higher income.

The above is an introduction about whether you can borrow money to buy a house without a job and what to prepare. Buying a house with a loan is not a simple matter. There are many things that need to be prepared before applying for a loan, and there are many things that need to be paid attention to after handling the loan procedures. The most important thing is to apply for a loan according to your own situation and avoid being overburdened.