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问题	没有工资证明可以按揭贷款买房吗
释义	没有工资证明也可以按揭贷款买房。按揭贷款需要的银行客户提供收入证明是为了判断客户是否具有还款的能力，控制贷款的风险。银行所需的收入证明包括借款人所在单位开具的收入证明以及银行代发的工资流水证明，如果借款人无法提供收入证明，可以提供自己在一段时间内的银行自存流水作为证明，但这段时间必须超过六个月才有效。【本文关联的相关法律依据】《商品房销售管理办法》第五条规定，国务院建设行政主管部门负责全国商品房的销售管理工作，省、自治区人民政府建设行政主管部门负责本行政区域内商品房的销售管理工作。
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