Income proof can directly reflect the borrower's repayment ability, which is one of the main reference contents for banks to apply for loans to buy a house. Usually, the bank will require the borrower's monthly income on the income certificate to be more than twice the sum of his monthly repayment and other liabilities.
Proof of income is not enough. Solution:
What if the monthly income on the income certificate issued by the unit fails to meet the requirements of the bank? By consulting the relevant staff of the bank loan center, the following methods are summarized:
1, appropriately increase the down payment ratio.
With sufficient funds in hand, you can appropriately increase the down payment ratio, reduce the loan amount, and extend the loan period as much as possible, so that your monthly repayment amount is within 1/2 of your monthly income.
2. Married people can borrow money from their spouses.
For example, Xiao Wang and Xiao Zhang are husband and wife. Xiao Wang's monthly salary is 12000, Xiao Zhang's monthly salary is 8,000, and the monthly payment for buying a house is 9,000. Xiao Wang needs to provide proof of income, and his income last month must reach 18000 yuan before he can pass the bank loan approval. In this case, Xiao Wang and Xiao chose * * * as the main lender. It should be noted that the younger party with higher income, as the main lender, is helpful for banks to approve loans.
3. Provide part-time income running account.
At present, in addition to employees, soldiers, civil servants and other state-owned enterprises that are not allowed to take part-time jobs by law, some banks also recognize part-time income when approving loans. Different banks have different regulations on the amount and flow of part-time income.
For example, some banks stipulate that part-time income does not exceed about 50% of the main income; Some banks require borrowers to provide part-time income for half a year. Therefore, when choosing a loan bank, you must consult clearly in advance.
4. Guaranteed loan
When the monthly income on the income certificate can't meet the requirements of the bank, you can also find a third party recognized by the lender to provide joint liability guarantee. For example, some banks will accept loans guaranteed by parents and children. It should be noted that the guarantor must have a fixed source of income, have sufficient compensation ability and have a certain deposit in the loan bank; The guarantor and the creditor shall conclude a guarantee contract in writing. If the guarantor is changed, the formalities for changing the guarantor must be handled in accordance with the regulations. Without the approval of the lender, the original guarantee contract shall not be revoked.
5. Relay loan and Heli loan
Relay loan refers to the housing credit product in which the parents are the owners of the purchased house and the children of the parents are the same borrower. Heli loan refers to a housing credit product in which children are the owners of purchased houses and their parents are borrowers. It should be noted that some banks in Shanghai have stopped the business of "relay loan" and "heli loan". Moreover, relay loans and cooperative loans may also lead to disputes over housing property rights between parents and children.
Seeing this, a friend asked freelancers or private people. Who can't issue the income certificate of the unit and apply for a loan to buy a house?
If the private owner can't provide proof of income, the materials to be provided for the loan to buy a house are: business license, tax registration certificate, tax payment certificate (continuous tax payment time varies from place to place) or bank deposit receipt for the last six months.
If you are a freelancer, if you have a deposit, you can provide proof of deposit; If not, go to a bank with income to handle a running account, which can prove that you have continuous income. In addition, different banks have different requirements for running orders, so you must call in advance before applying for loans.
(The above answers were published on 2018-01-10. Please refer to the actual situation for the current purchase policy. )
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