How can I buy a house without a payroll, I don t have a salary, can I take out a loan to buy a house

You don't have to worry about this, if you buy an installment payment, in the place where you buy a building, that is, the sales department will call you to the local bank to open an account, you only have to play money in it every month, of course, how much you want to save in the silver is your thing, but the money saved must be enough to deduct a month's housing supply, otherwise it will not work, the installment house has to do a lot of procedures, mine is the installment house, the procedures are complicated to death, what do you want to pay the salary certificate in the unit, hehe, If you open the real one, the salary is low, and the bank will not agree to your loan, if your monthly payment is 1,000, you will have to issue a salary certificate of 2,500 Write so much, you also give some points.

Generally speaking, in terms of mortgage review, banks need Yehong's lender and spouse to provide bank statements and salary income certificates for nearly half a year. In addition, the salary needs to cover twice the amount of the turnover, otherwise it will be difficult to approve the loan.

To buy a house with a loan, you need to show half a year's bank statement.

Processing conditions. 1. Requirements of the borrower.

1.Natural persons between the ages of 18 and 60;

2.Have a stable occupation, stable income, and the ability to repay the principal and interest of the loan on time;

3.The borrower has a good credit profile.

2. Information to be provided:

1.The original and 3 copies of the ID card and household registration book of the applicant and the spouse (if the applicant and the spouse do not belong to the same household registration, a certificate of marital relationship shall be attached);

2.Original purchase agreement;

3.1 original and 1 copy of the prepayment receipt for 20% or more of the room rate;

4.Proof of the applicant's family income and proof of relevant assets, including salary slips, individual income tax bills, income certificates issued by the employer, bank deposit certificates, etc.;

5.1 copy of the developer's receiving account number.

3. Materials to be provided by the borrower.

1.ID cards, household registration books, temporary residence permits and household registration books for non-residents of both husband and wife;

2.2 copies of marriage certificate, divorce certificate or court judgment, and single certificate;

3.Proof of income;

4.A copy of the copy of the business license of the employer (with the official seal);

5.Credit certificate: including academic certificates, other real estate, bank statements, large certificates of deposit, etc.;

6.If the borrower is an enterprise legal person, it must also provide the business license, tax registration certificate, organization certificate, articles of association and financial statements that have passed the annual inspection.

Let's put it this way, the bank will not give priority to you, if you have something to mortgage, the bank may consider giving you a loan, and let you use the purchased property as a counter-mortgage to make you a home loan, and the interest rate will be high. Generally, people who do not have any property and no income in the bank will not lend you a penny, and such a high risk does not meet the conditions and cannot be loaned.

It is also possible, for example, to be in a sole proprietorship and not have a job. Social security, salary flow, but there is no business flow, as long as the bank feels that there is no risk, it can be done, the bank feels that the risk is large, how not.

You can handle it with your lover's salary, but you can't negotiate with the bank to settle it.

Information to be prepared for applying for a mortgage loan:

1. The original and photocopy of the ID card of the borrower and the spouse;

2. The original and photocopy of the household registration book of the borrower's husband and wife;

3. Proof of marital status;

4. The original purchase agreement;

5. Original and photocopy of prepayment receipt of 30% or more of the room rate;

6. Proof of income;

7. Bank statement;

8. Academic certificate;

9. Bank deposit certificates;

10. Other proof of financial resources;

11. The developer's collection account number;

12. Other materials required by the bank.

Conditions to be prepared for bank mortgage:

1. Have a legal residence status; Those who apply for policy-based personal housing loans should have a local permanent housing address;

2. Have a stable job and income;

3. Have the ability to repay the principal and interest of the loan on time;

4. There are assets approved by the lending bank as collateral or pledge, or (and) there is a guarantor who meets the specified conditions to guarantee it.

5. There is a contract or agreement for the purchase of housing;

6. When applying for a loan, if you have a deposit of not less than 30% of the funds required for the purchase of housing in CCB, and apply for a policy-based personal housing loan, you should deposit the housing provident fund in CCB according to the regulations;

7. Other conditions stipulated by the lending bank.

Materials to be prepared for bank mortgage:

1. Loan application form;

2. Subscription agreement or sales contract;

3. Proof of identity;

Proof of identity refers to: passport of foreigners, passport and household registration book of Taiwanese, ID card of Hong Kong and Macao, home return permit, and if you work in Shanghai, you need to provide a work permit. Marriage certificate refers to the registration certificate of the home buyer and spouse, if you work in Shanghai, you only need to provide the marriage certificate issued by the Shanghai company.

The credit certificate refers to the annual financial report, transaction slip and tax bill of the accounting firm in the country where the expatriate is located. If you work in Shanghai, you only need to provide proof of income from the company you work in Shanghai.

4. Proof of income (including tax bills, bank deposit records and employer's confirmation).

What should I do if I want to take out a loan to buy a house but the bank turnover is not enough? You can try these three solutions.

Housing provident fund has been paid for six consecutive months to buy a house can be loaned.

The balance of the housing provident fund account can be withdrawn if the following conditions are met:

1. Purchasing, building, renovating, or overhauling self-owned housing;

2. Retired or retired;

3. Completely lose the ability to work and terminate the labor relationship with the unit;

4. Those who have settled abroad, Hong Kong, Macao and Taiwan;

5. Repayment of principal and interest of housing loans;

6. Those who are included in the scope of the city's minimum subsistence guarantee for urban residents and pay rent;

7. Employees who have been sentenced to criminal penalties during their employment, who have not been re-employed after two years after the housing provident fund has been transferred to a centralized sealed household, who have moved out of the city, or who have not been registered in the city have left the city and terminated the labor relationship with their employers.

Yes, you need to provide a self-deposit statement certificate of more than 6 months to prove to the bank that you have the ability to repay, but not all banks allow it. Please contact your lending bank for details.

In mortgage loans, people are most concerned about the conditions and procedures, and the first thing to provide is the information that needs to be provided for mortgage loans

1. The ID card of the applicant and the spouse, the original and 3 copies of the household registration (if the applicant and the spouse do not belong to the same household registration, a certificate of marital relationship shall be attached).

2. The original purchase agreement.

3. 1 original and 1 copy of the advance payment receipt of 30% or more of the room price.

4. Proof of the applicant's family income and relevant assets, including salary slips, individual income tax bills, income certificates issued by the unit, bank deposit certificates, etc.

5. One copy of the developer's collection account number.

Buying a house with a mortgage. Select the property.

Buyers who want to obtain mortgage services should focus on this aspect when choosing a property. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should also further confirm whether the property developed and constructed by the developer has received the support of the bank to ensure the smooth acquisition of the mortgage loan.

Mortgage application.

After confirming that the property they choose is supported by the bank's mortgage, the buyer should learn about the bank's regulations on the buyer's mortgage loan support from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill in the "Mortgage Loan Application".

Sign a contract for the purchase of a house.

After receiving the relevant legal documents of the mortgage application submitted by the buyer, the bank will issue a notice of consent to the loan or a letter of commitment for the mortgage loan to the buyer after reviewing and confirming that the buyer meets the conditions of the mortgage loan. Buyers can sign the "Commercial Housing Pre-sale and Sales Contract" with the developer or its ** businessman.

Sign a mortgage contract.

After signing the house purchase contract and obtaining the proof of payment, the buyer shall sign the "Building Mortgage Loan Contract" with the developer and the bank with the relevant legal documents stipulated by the bank to clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations.

Mortgage registration and insurance.

Buyers, developers and banks should go through the mortgage registration and filing procedures with the real estate management department with the "Building Mortgage Loan Contract" and the house purchase contract.

The above content is for your reference, and the actual business regulations shall prevail.

Buying a house with a loan: Don't underestimate the "proof of income"! Too many people suffer on proof of income.

No.

A home loan and a bank loan require the same conditions, which are as follows:

Go to work, have social security or provident fund;

To do business, have a business license, and have a public and private flow, and the five certificates are complete;

Have personal insurance, bank statements, and be able to prove the ability to repay;

If you have a property or a car as collateral, you have a clear ability to repay.

From the above, it is not possible to only have bank statements.

Generally, if the monthly income is less than 3,500 yuan, there is no need to issue a personal bank statement. If the monthly income certificate exceeds 3,500 yuan, you have to go to the bank to pull the bill.

Bank statement is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement. Refers to the list of deposit and withdrawal transactions that occur between a customer and the bank over a period of time.

Banks in different places require proof of flow in Guangzhou, but some in other places only need proof of employment.

Now that the mortgage approval is strict, it is not possible to have no running water and no income certificate.

1. If there is no proof of income, if the bank can take out a loan to buy a house, the income certificate is a certificate to prove that the borrower has a certain ability to repay, and the bank must review the materials to avoid the risk of lending.

2. The documents required to buy a house with a loan are:

1. Married: marriage certificate, household registration book, income certificate, copy of the copy of the business license of the unit with official seal, salary card flow (one year or half a year, different banks, different needs), ID card, spouse's ID card, spouse's household registration book, spouse's marriage certificate. If the two borrow together, the spouse also needs to show proof of income, a copy of the copy of the unit's business license with the official seal, and a salary statement.

2. Single: single certificate (presented by the unit, street or police station where the household registration is located), household registration book, income certificate, bank statement, ID card.

3. People's Daily Online.

Proof of income is a must.

To put it simply, you can buy it if you want to, as for the operation method, find an agent or a sales lady from the developer, they will help you solve it, and it is not easy to say too much here.

If you don't have a regular job, you can take out a loan to buy a house, but you need to find someone to guarantee it, and you need to open a certificate of income. Because there is no fixed job, the risk that the bank takes on is very high.

Generally speaking, a home loan requires a variety of documents, such as proof of income, proof of marital status, proof of real estate, and so on. These materials are important documents to prove that you have the ability to repay the loan, among which the income certificate is the most important, which directly affects the mortgage amount, interest rate and other issues. But for most free people, the biggest trouble is proof of income.

In addition, when applying for a loan, you need to pay your salary as proof, which is different from the ordinary savings deposited every month, and it is issued by the payroll bank. This is another piece of evidence that makes it difficult for freelancers to apply for a mortgage.

How do freelancers apply for a home loan?

The most important question is how to prove that you have the ability to repay the loan. Lending institutions usually evaluate the borrower's loan qualifications from various aspects such as repayment ability and credit information. If you don't have a job, but you can still get a loan if you can provide stable bank statements and collateral.

Some loan companies can still provide loans to borrowers who do not have a job if they can provide repayment bank statements for mortgage loans.

Loan options for freelancers.

1. Secured loans.

Find a guarantor who is qualified and qualified to sponsor. A secured loan is a loan issued by a borrower or a third party as a guarantee in accordance with the law, because you can't guarantee yourself because you don't have a job, and it is also a good choice to find a suitable guarantor. However, it should be noted that many banks do not accept secured loans, so be sure to check in advance before taking out a loan.

2. Mortgage in kind.

If the borrower holds bonds, valuable**, **, real estate, as well as bills of lading, stack bills or other documents proving the ownership of goods, they can be used as collateral.

3. Third-party borrowing.

There are many types of this kind of loan, and the types of loans that can be seen on the market are also mixed, but buyers should pay attention to the fact that they must choose a formal and well-qualified institution, and be careful of entering **.

If you don't have a formal job, you can't get a provident fund loan, you can only get a business loan, you don't need any mortgage, the house you buy is a mortgage, and you can't pay the money, and your house will be closed. But it is very troublesome to open a certificate of income, you have to find a way to prove your income to the bank, to prove that you can fully repay the loan, if this is done, there should be no problem.

Banks require buyers to have a formal job for insurance.

I've seen a way of dealing with it, and I don't know if it's okay now.

If it is a commercial house, in order to complete the performance or performance appraisal, the person in the sales department will give you ideas or help you find a (custodian) unit to help you go through the relevant procedures.