Now many people will choose to buy a house, but the pressure to buy a house is really great, so most people will choose to buy a house with a loan. To buy a house with a bank loan is actually to mortgage the house to the bank. There are many requirements for loan to buy a house. The borrower must have a stable income to make a loan? So there is no fixed job to buy a house with a loan?
1、 Can I get a loan to buy a house without a fixed job
You can borrow money, but if you want someone to guarantee it, you need to issue an income certificate. Because there is no fixed job loan, banks bear great risks.
Generally speaking, housing loans need various materials to prove, such as income certificate, marital status certificate, real estate certificate and so on. These materials are important vouchers to prove that they have the ability to repay the loan, among which the income certificate is the top priority, 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 the payroll flow as a voucher, which is different from the ordinary savings deposited every month. It is issued by the payroll bank. This is another evidence that makes it difficult for freelancers to apply for housing loans.
2、 How do freelancers apply for housing loans?
The most important issue involved here is how to prove that you have the ability to repay the loan. Loan institutions usually evaluate the loan qualification of borrowers from the aspects of repayment ability, credit investigation and so on. If you don't have a job, but can provide stable bank flow and collateral, you can still borrow money.
Some loan companies can provide loans to borrowers who do not have jobs if they can provide mortgage repayment, bank flow, etc.
What kinds of loans are suitable for freelancers?
1. Secured loan
Find a qualified guarantor with guarantee qualification and guarantee ability. Secured loan is a loan granted by the borrower or a third party to provide guarantee according to law,
Because I don't have a job, I can't guarantee myself. It's also a good choice to find a suitable guarantor. However, it should be noted that many banks do not accept guaranteed loans, so you must know in advance before making loans.
2. Physical mortgage loan
If the borrower holds national bonds, securities, stocks, real estate, goods bills of lading, warehouse bills or other documents proving the ownership of goods, it can be taken away as collateral.
3. Third party borrowings
There are many types of such loans. The types of loans that can be seen in the market are also mixed. However, buyers should pay attention to selecting regular and qualified institutions to be careful of entering the scam.