The salary on the income certificate is enough for your monthly payment, and the bank running water is similar to the salary on the income certificate.

Second, how long does it take for the bank to handle the mortgage?

It is generally necessary to provide bank running water for more than half a year before applying for a mortgage. In addition to the bank running water, the following materials are required:

1, my valid identification. Such as identity cards, household registration books, military officers' cards, etc. ;

2. Proof of marital status. If you are married, you only need to provide a marriage certificate. If you are unmarried, you need to provide proof of unmarried;

3. Relevant approval documents, purchase contract and down payment receipt of the purchased house;

4. Residence certificate of the place where the loan bank is located.

5. Work certificate and income certificate;

6. If you apply for a provident fund loan, you need to have a deposit certificate of the provident fund;

7. Relevant guarantee materials.

Third, how many months does it take to get a mortgage?

1. Generally speaking, when buying a house loan, the borrower will be required to provide the running water of the bank for more than half a year (including half a year). Sometimes the bank may only need about 3 months to turn around.

2. Different banks have different regulations on the time requirement of bank flow. The specific data may vary from person to person, and different people may be different. When handling mortgage loans, you can ask the bank staff, and the reply of the bank staff shall prevail.

3. Banks that do not meet this requirement may not be unable to apply for mortgage loans. If the income reflected by a single bank card is low, the borrower can provide the running water 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 your assessment of repayment ability. The monthly income needs of families reflected in the running water of banks are more than twice that of monthly mortgages.

Fourth, the mortgage needs several months of running water.

Generally, if the loan amount is not very large, you will not look at the running water. You just need proof of income. When it comes to large loans, it's necessary to look back on 12 months ~