Proof of income and bank statements are required for a home loan. Generally, the identity certificate of the borrower and spouse, marriage certificate, household register, income certificate and statement, down payment certificate, house purchase contract, and bank statements are required to apply for a home loan. Other materials. Bank statements generally need to be provided for more than half a year, and proof of income needs to meet the bank's loan conditions.

What should I do if the bank account balance is not enough?

1. Provide account balances for both spouses.

For married people, if the main lender’s bank statements do not meet the requirements, they can also apply for a loan by providing the bank statements of both husband and wife. As long as the couple’s bank statements meet the requirements, it is also possible. Apply for a loan.

2. Make a deposit.

If the applicant has just changed jobs and has a stable and fixed income for only three months within half a year, then when applying for a mortgage loan, he or she can make a one-time deposit into the bank card. The specific amount can be determined according to the bank's requirements. In addition to the income certificate provided by the employer, and the stable monthly income is more than twice the monthly mortgage payment, it is feasible to prove that your income is enough to repay the mortgage.

3. Provide provident fund payment certificate or personal tax certificate.

What should a borrower who receives cash every month do if there is no stable and continuous income in the bank flow within half a year? Some banks can provide provident fund deposit certificates, personal social security certificates and personal tax certificates instead. Bank flow.

However, there are certain conditions for providing the above materials in lieu of bank statements. Payment must be made within a fixed time every month. This can indirectly prove that the borrower has a sustained and stable source of income. Moreover, not all banks can do this, so it is recommended to consult several banks.

4. Guaranteed loans.

What should we do if the couple’s bank statements do not meet the requirements and they cannot provide valid provident fund deposits or personal tax certificates? The premise is that the lender is not an unemployed person and can provide valid proof of unit income. .

Don’t worry. In this case, you can add a valid guarantee certificate to prove that you still have the ability to repay. In this way, you can also successfully obtain a bank loan. But it does not apply to all banks.

5. Reduce the loan amount.

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