1. What should I do if I don’t have bank statements when applying for a real estate certificate?

Answer: Before buying a house, the owner must decide how much the down payment will be and how much the mortgage loan will be. When applying for a bank mortgage loan, you need a bank statement. If you don’t have a statement, you will not be able to apply for a mortgage loan. The bank statement Less is not enough, or you can borrow some money from relatives and friends, with a larger down payment and a smaller loan. As long as you meet the bank loan requirements, you do not need a bank account to apply for a real estate certificate.

2. There is no bank for mortgage loans What to do with running water?

If there is no bank statement for a bank mortgage loan, you can do the following: Change to another bank for a home purchase loan. Not every bank needs to provide bank statement (not a hard requirement); or you can try to provide it for you Other property certificates: such as other properties, cars or securities as auxiliary proof of repayment ability; provide the company's salary certificate, or personal tax payment slip; which can actually explain the income. If you contact the financial institution If you have a credit business and can repay in full and on time as required, generally speaking, from the perspective of bank personnel, you can be regarded as a person with good credit, and you can be treated preferentially under the same conditions. \\In fact, the purpose of banks asking individuals to provide bank account statements is to examine whether you have a stable income and whether you are able to repay the bank's debts. Generally speaking, for salaried people, banks will mainly look at your salary flow, monthly account balance, and the average daily balance of the account. Using this information, we use the bank's own model to calculate your discretionary funds after deducting basic living expenses and other necessary expenses in a month, and review whether you can repay your debts on time.

3. I want to get a loan to buy a car, but what should I do if I don’t have a real estate certificate and bank statement?

If you are a local, you do not have a real estate certificate but you have a house, such as an old house. Your parents’ house can be used as a voucher, and you do not have business accounts, or you have a direct relationship