With the rising house prices, many people will choose to apply for a house loan from the bank when they are enough to buy a house, that is, pay a part of the down payment first, and then borrow money from the bank for the subsequent house payment, and they can repay the mortgage to the bank every month. So can I buy a house with a down payment without proof of income? Here is an introduction.

Can I buy a house with a down payment without proof of income?

You can apply for a loan if you buy a house with a down payment without proof of income. It is ok to provide a bank deposit certificate or a period of deposit certificate to prove that the lender has the repayment ability. The reason why banks require customers to provide proof of income is to judge whether lenders have the ability to repay in full and on time. If you can't prove that you have enough repayment ability, you won't mortgage, which is also a means for banks to control credit risk.

What is the proof of income?

1. Income proof is the proof of people's economic income in their daily life and business activities. Usually, when applying for visas, bank loans and credit cards, the parties need to issue relevant income certificates, usually after-tax income.

2 proof of income usually includes monthly income, including wages, bonuses, housing provident fund, share dividends and other income. However, it should be noted that different banks do not use the format of proof of income, and some companies also have their own proof of fixed income, which needs us to decide according to the specific situation.

What should be the income on the income certificate?

When buyers fill in the mortgage income certificate to buy a house, the income certificate needs to be twice the monthly repayment amount of the mortgage. If the amount you haven't paid back is 2000 yuan, then your monthly income needs to be more than 4000 yuan. We need to confirm the format with the docking bank when filling in the income certificate, and we must use the original when looking for the unit cover.

The above is about whether it is ok to buy a house without proof of income for down payment. I hope I can give you some help when you borrow money to buy a house, so that you can apply for a house loan smoothly.

Enter the area and get the decoration quotation for free.