How do self-employed people get a loan to buy a house? How to apply? Originally, it is more difficult for self-employed people to buy a house than office workers. Some self-employed people usually do not have the provident fund paid by their employer. Let’s learn about self-employed loans with the editor. What are the situations of buying a house? How can a self-employed person get a loan to buy a house? How to apply?

How can a self-employed person get a loan to buy a house? How to apply?

1. Application

Loan applicants arrive The housing fund management branch where the housing provident fund is deposited should fill in the loan application form and provide the following information:

1. Personal household register, ID card or other valid residence permit

2 , house purchase contract or letter of intent and other relevant supporting documents

3. Letter from the lender’s unit agreeing to the loan

4. Other information applied by the Residential Fund Management Center.

2. Preliminary review

The Residential Fund Management Sub-center will conduct a preliminary review of the application.

3. Inquiry

After the residential fund management sub-center passes the preliminary review, the China Construction Bank Beijing Branch will organize an inquiry on the loan and put forward inquiry opinions.

4. Approval and Signing of Entrustment Contract

The Housing Fund Management Sub-Center will review and approve the loan based on the investigation opinions put forward by the handling organization of China Construction Bank Beijing Branch. After approval, the Housing Fund Management Sub-center signs an entrustment contract with the handling organization of China Construction Bank Beijing Branch, and then the Residential Fund Management Sub-center issues an entrustment loan notice.

5. Sign the loan contract

According to the entrustment contract, the trustee (the handling organization of China Construction Bank Beijing Branch) and the lender sign the loan contract and corresponding contracts.

6. Transferred Loans

After the loan contract comes into effect, the Housing Fund Management Sub-center will transfer the funds to the entrusted loan fund account, and then the trustee

will apply for the loan Contract disbursement.

If you have not established a housing provident fund and do not meet the loan policy requirements in the "Beijing Housing Fund Management Center's Residential Guaranteed Loan Methods", you cannot apply for a housing provident fund loan.

Can a self-employed person without social security get a loan to buy a house?

Mr. Chen, a citizen: I am a self-employed person with no social security and have not paid my own income tax, but I have paid national or local tax. I am interested. How to deal with a bank loan for a house with a total price of 500,000 yuan?

Nandu reporters consulted Wang Qing, director of the mortgage department of Midland Property, on this question. Wang Qing said that if Mr. Chen buys a house in his own name, he must follow the regulations The current rule is that you need to provide social security records and the tax payment certificate of your own income tax from the local tax bureau in the past year. If there is no loan record, you can do it with the first set. If you have not paid your income tax and cannot prove your income, banks will usually not lend you money.

If Mr. Chen plans to buy a house in the name of a company, the procedures will be relatively complicated. The company needs to be registered for more than 3 years, must be profitable, and must provide the company's financial information and financial statements. And for this kind of corporate affairs, banks usually don't accept small amounts of 500,000. However, there is also a possibility that people who are eligible to buy a house with a residence permit of more than one year and a certain bank are willing to lend money, but the loan ratio they can provide will be relatively low, which is usually not possible. First time home buyers mostly get loans.

Through the above introduction by the editor, I believe that we have a certain understanding of how self-employed people can borrow money to buy a house? How to apply? We can make corresponding preparations for the above matters, so that we can handle them more smoothly. Loan, I hope the editor’s introduction can provide some help to those in need.