Yes, you need to provide a self-deposit statement for more than six months to the bank to prove your ability to repay, but not all banks allow it. Please consult your lending bank for details.

1. If you are purchasing a house with a mortgage loan, if you cannot provide proof of income, you can also provide the lender's bank self-deposit statements for a period of time as a supporting document for the mortgage loan.

2. The reason why banks provide loan customers with proof of income is to judge whether they have the ability to repay in full and on time. If the repayment ability is not strong enough, they will not lend to them. This is also A means by which banks control credit risk.

3. The income certificate usually refers to two aspects: one is the income certificate issued by the borrower’s unit; the other is the salary statement issued by the bank. Both are indispensable, otherwise the loan cannot be obtained. .

4. If the above situation occurs, the borrower can provide self-storage funds. That is, the borrower deposits a specified amount into the same bank account on fixed dates every month for six months before printing it out. However, this flow rate is not recognized by every bank, so borrowers should clearly understand the mortgage application matters from the bank before applying for a mortgage, so as to avoid unnecessary trouble caused by being unable to obtain a loan.

Extended content:

A simple and popular understanding of a loan is borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Reference: Baidu Encyclopedia-Loans