If you don't have a fixed job, you can borrow money to buy a house, but if you want to find someone to guarantee, you need to open a proof of income. Because there is no fixed job loan, the chances of bank lending approval are very small. If you don't have a regular source of income, you can't guarantee to pay the monthly mortgage. Don't apply for a mortgage for the time being, otherwise once the mortgage is not paid, the house will be at risk of being repossessed.

Generally speaking, buying a house loan requires various materials to prove, such as proof of income, proof of marital status, proof of real estate and so on. These materials are important documents to prove that they have the ability to repay loans, among which the proof of income is the most important, which directly affects the mortgage amount, interest rate and other issues. But for most liberals, the biggest trouble is proof of income.

In addition, when applying for a loan, you need a running salary as a voucher, which is different from the ordinary savings deposited every month and is issued by the wage bank. This is another proof that it is difficult for freelancers to apply for mortgages.

Loan methods suitable for freelancers

1, secured loan

Find a guarantor with guarantee qualification and qualified guarantee ability. A secured loan is a loan provided by the borrower or a third party according to law. Because I don't have a job and can't vouch for myself, it's also a good choice to find a suitable guarantor. However, it should be noted that many banks do not accept secured loans, so you must know in advance before lending.

2. Physical mortgage loan

If the borrower holds bonds, securities, stocks, real estate, bills of lading, warehouse receipts or other documents proving the ownership of the goods, they can all be taken away as collateral.

3. Third-party loans

This kind of loan contains many kinds, and the types of loans that can be seen in the market are also mixed, but borrowers should pay attention to the fact that they must choose formal and well-qualified institutions and be careful not to fall into scams.

4. Credit loan

Credit loan refers to the loan issued by the lender's credit. Borrowers do not need to provide collateral and third-party guarantees, but can obtain loans by virtue of their own reputation. However, there is one condition: the credit loan requires the borrower's credit rating to be relatively strict, requiring no overdue records, good credit and good card use habits. This interest rate will be higher than the normal loan interest rate.