How do self-employed people borrow money to buy a house? How to apply?

How do self-employed people borrow money to buy a house? How to apply? Originally, it was more difficult for self-employed people to buy a house loan than for office workers. Some self-employed people usually have no provident fund paid by their units. Let's take a look at the situation of self-employed loans to buy a house and Bian Xiao. How do self-employed people borrow money to buy a house? How to apply?

How do self-employed people borrow money to buy a house? How to apply?

I. Application

The loan applicant shall fill in the loan application form in the housing fund management sub-center where the housing provident fund is deposited, and provide the following information:

1, my household registration book, ID card or other useful residence permit.

2. Purchase contract or letter of intent and other related documents.

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

4. Other materials applied by the residential fund management center.

Second, the first instance

The residential fund management sub-center conducts a preliminary examination of the application.

Third, query

After the housing fund management sub-center passed the preliminary examination, China Construction Bank Beijing Branch organized an inquiry on the loan and put forward opinions.

IV. Examining and signing the entrustment contract

The housing fund management sub-center conducts loan approval according to the query of China Construction Bank Beijing Branch. After approval, the residential fund management sub-center signed an entrustment contract with the agency of China Construction Bank Beijing Branch, and then the residential fund management sub-center issued an entrustment loan notice.

Verb (abbreviation of verb) sign a loan contract

According to the entrustment contract, the trustee (the agency of China Construction Bank Beijing Branch) signed a loan contract and corresponding contract with the lender.

Intransitive verbs allocate loans.

After the loan contract comes into effect, the residential fund management sub-center will transfer the funds into the entrusted loan fund account, and then entrust it.

According to the loan contract.

If there is no housing provident fund, it does not meet the provisions of the loan object in the Measures of Beijing Housing Fund Management Center for Entrusted Loans with Self-owned Housing Guarantee, and it is impossible to apply for housing provident fund loans.

Can self-employed people without social security borrow money to buy a house?

Mr. Chen: I am a self-employed, with no social security and no income tax, but I have paid national tax or local tax. After seeing a house with a total price of 500,000 yuan, how can I get a bank loan?

Du Nan reporter consulted Wang Qing, director of Midland realty mortgage department. Wang Qing said that if Mr. Chen buys a house in his own name, it will be confirmed by the social security record of demand supply and the tax payment of the local tax bureau's own income tax in the previous year according to the rules. If there is no loan record, he can use the first set. If you haven't paid income tax and can't prove your income, banks usually won't lend.

If Mr. Chen intends to buy a house in the name of the company, the procedures will be chaotic, requiring the company to be registered for more than 3 years, and to be profitable, providing the company's financial situation and financial statements. And this kind of business, usually banks will not accept a small amount of 500 thousand. However, it is also possible to buy a house according to the "three noes", hold a residence permit for more than one year, and provide certain guarantees. A single bank is willing to lend money, but the proportion of loans it can supply will be relatively low, and it is usually impossible to grant most loans to first-time home buyers.

Through the introduction of Bian Xiao above, I believe everyone is concerned about how the self-employed can borrow money to buy a house. How to apply? With a certain understanding, we can make corresponding preparations for the above matters, so as to handle the loan more smoothly. I hope Bian Xiao's introduction can provide some help to those in need.