Commercial loans to buy a house need to provide 6 months of bank running water. In fact, the purpose of banks to provide individuals with bank account running water is to examine whether property buyers have stable income and the ability to repay bank debts. Generally speaking, for the working class, the bank will mainly look at the salary flow of the buyers, the monthly account balance and the average daily account balance.

What are the classifications of bank running water?

1, wages are mobile.

The flow of wages is the flow of wages paid by banks, and it is also the most recognized flow of banks and lending institutions. Wage running water is generally the wage income after deducting social security and provident fund, which is the most accurate proof of the borrower's actual income.

2. Transfer process.

The transfer process is a process formed by the transaction records of bank transfer through the counter, network or online bank. However, it should be noted that not all transfer banks will recognize it, because fast-forward and fast-out, access to bank flow is not recognized by banks.

3. Bring your own tap water.

The running water deposited by cash transfer or other bank card transfer is self-saving, because many freelancers don't have the running water of salary, so their running water is basically like this. Different from the wage flow, the flow deposited in this way will show "deposit or cash deposit" in the bank flow, which is only recognized by some banks.

What if the bank doesn't have enough running water?

1, providing running water for both husband and wife.

For married people, if the bank flow of the main lender does not meet the requirements, they can also provide the bank flow of both husband and wife to apply for a loan. As long as both husband and wife meet the requirements, they can also apply for loans.

2. Pay the deposit.

If the applicant has just changed his job and the bank has only three months' stable fixed income for half a year, then when applying for a mortgage, he can deposit it into the bank card at one time, and the specific amount can be determined according to the requirements of the bank. Plus the income certificate provided by the unit, and the monthly stable income is more than twice the monthly mortgage repayment, it is also feasible to prove that your income is enough to repay the mortgage in this way.

3, provide proof of provident fund deposit or personal tax payment.

What should a lender who looks for money every month do if he has been in the bank for half a year and has no stable and sustained income? Some banks can provide provident fund deposit certificate, personal social security certificate and personal tax payment certificate instead of bank running water.

However, there are certain conditions to provide the above materials instead of bank running water, and they must be paid within a fixed time every month, thus indirectly proving that the borrower has a continuous and stable source of income. Moreover, not all banks can do this, and it is recommended to consult more banks.

4. Guaranteed loan.

What should I do if the husband and wife's general bank does not meet the requirements and can't provide valid provident fund deposit certificate or personal tax payment certificate? The premise is that the lender is not unemployed and can issue a valid unit income certificate.

Don't worry, this situation can be accompanied by a valid guarantee certificate, which proves that the overall repayment ability is still there. In this way, you can also get a bank loan smoothly. But this does not apply to all banks.

5. Reduce the loan amount.

If a single person wants to apply for a loan and just works, the bank flow does not meet the requirements. Then you can only apply for a mortgage by increasing the down payment ratio and reducing the loan amount.