MHow can I buy a house without liquidation?
In the current real estate market, many home buyers face a common dilemma:How to apply for a mortgage without stable bank flow. This problem particularly plagues freelancers, self-employed individuals or people with irregular incomes. This article will combine the hot topics and hot content on the Internet in the past 10 days to provide you with structured solutions and attach relevant data references.
1. Data analysis of popular home buying topics in the past 10 days
| hot topics | Discussion popularity | main focus |
|---|---|---|
| No-money house purchase plan | 85% | Substitute certificate, guarantor, down payment ratio |
| Changes in mortgage policies | 72% | Lower interest rates and ease of approval |
| Provident Fund Loan | 68% | Deposit requirements and amount calculation |
| co-lender | 55% | Relative guarantee and spouse’s income consolidation |
2. Five solutions for buying a house without down payment
1.Provide other proof of income: Freelancers can provide tax certificates, project contracts, Alipay/WeChat payment records, etc. for the past 2 years. Some banks accept such alternative materials.
2.Increase down payment ratio: Increasing the down payment to more than 50% can significantly reduce bank risks. Some banks will relax flow requirements for customers with high down payments.
| down payment ratio | Looseness of turnover requirements | Applicable bank types |
|---|---|---|
| 30%-40% | strict | State-owned banks |
| 40%-50% | medium | joint-stock bank |
| 50%+ | Loose | City Commercial Bank/Rural Commercial Bank |
3.Find a co-lender: Add immediate family members with stable income as co-borrowers and combine family income. Be aware of joint repayment responsibilities.
4.Secured Loan Program: Enhance credit endorsement through third-party guarantee companies or asset mortgages (such as other properties, financial products).
5.Provident fund loan priority: The provident fund center has a relatively loose review of turnover. You can apply if you have made continuous deposits for more than 12 months, but the amount is subject to geographical restrictions.
3. Latest policy support in 2023
According to a recent document issued by the Ministry of Housing and Urban-Rural Development, various places are piloting"Income Commitment System"Loan: For applicants with good credit but insufficient liquidity, they are allowed to sign an income commitment letter and provide proof of assets. It has been piloted in the following cities:
| pilot city | Minimum down payment | Maximum loan amount |
|---|---|---|
| Chengdu | 40% | 2 million |
| Hangzhou | 35% | 3 million |
| Changsha | 30% | 1.5 million |
4. Risk warnings and professional suggestions
1.Avoid false turnover: The so-called "flow packaging" services in the market are suspected of being illegal. Banks can find out by checking tax records, which may lead to permanent loan rejection.
2.Preferred partner banks: Developer cooperative banks usually have more flexible approval policies and can strive for "special approval channels."
3.Step by step solution: It is recommended to first purchase a house by increasing the down payment + guarantee, and then use real estate mortgage business loans and other products to optimize the debt structure.
4.Long-term planning advice: Even if you successfully purchase a house, you still need to establish standardized financial records, and you can accumulate credit through individual business registration, time deposits, etc.
To sum up, not having bank flow is not an absolute obstacle, the key is toProve repayment ability in multiple dimensions, and make good use of policy tools. It is recommended to consult with the account managers of more than three banks before purchasing a house to compare the feasibility of different options. With the development of financial technology, the credit evaluation system will be more diversified in the future, providing fairer home buying opportunities for people with non-standard incomes.
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