The requirement of loan to buy a house on the bank's running water
Generally speaking, banks with continuous monthly payments, stable income and high returns are the most ideal. Therefore, it is best to have a stable monthly fixed time entry in the bank flow. Of course, banks that fail to meet this requirement may not be able to apply for a mortgage. If the income reflected by a single bank card is low, the borrower can provide the flow of multiple bank cards under his name;
In addition, try not to withdraw all the funds from the card at a fixed time every month, so that the bank will think that you have a fixed large expenditure, which will affect the evaluation of your repayment ability; Usually, the monthly income needs of families reflected by the running water of banks are more than twice that of monthly mortgages.
Remedial measures for insufficient bank flow
1. Self-made bank flow: If you have a lot of cash on hand, you can deposit a fixed amount of money into the same bank card on a fixed day every month. Long-term adherence to 3-6 months, printed self-storage water can also be recognized by most banks, suitable for groups with plans to buy a house.
2. Provide proof of large amount of property: you can provide other proof of large amount of property to the bank, such as real estate, cars, funds, large amount of insurance policies, etc. This can also prove your repayment ability.
3. Add parents as * * * co-borrower: The lender and parents go to the bank to show their ID card, household registration book, lender's marriage certificate (single certificate), parents' marriage certificate, parents' bank account and other materials to add parents as * * * co-borrower. However, it should be noted that if the parents are too old, the loan period will be limited or the bank will not issue loans. Generally, you can't apply for a bank loan if you are over 60. However, some banks can relax to 65 years old. )
4. Use individual tax and social security instead: Some banks can use personal tax payment certificate, social security certificate or provident fund payment certificate instead of bank running water, but the premise is to pay at a fixed time every month to prove that borrowers have a fixed income, but not all banks can do this. Please consult the corresponding banks for details.
5. Providing guarantee certificate: At present, the most commonly used method is house seizure loan, but the borrower who applies for this loan needs to provide real estate license, valid identity certificate of himself and his spouse, marriage certificate, work income certificate, real estate evaluation report, written certificate of consent to seizure issued by (the person who has the right to dispose of the seized property and other obligees) and other loan materials required by the lending institution. Please consult the loan bank for specific operation methods.
6. Increase the down payment: This is the last method. If you can't meet the requirements of bank liquidity when applying for a loan, and you can't provide other certificates, you can only increase the down payment ratio and reduce the loan amount to your repayment ability.