if the customer has a payroll, it is best to provide a payroll. If you don't have it, you'd better prepare it half a year in advance, and deposit a sum of money into your card at a fixed time every month. Don't take it out immediately after it is deposited, and keep it for at least 24 hours. After that, it's best not to take it all out, and you can keep a part in the card.
when applying for a mortgage, what do banks mainly look at?
1. Wage flow
Nowadays, most enterprises pay wages through bank transfer. Therefore, the so-called wage flow refers to the flow of wages paid by banks, which is the most recognized flow by banks. Why do banks pay the most attention to wage flow when applying for a mortgage? Because the wage flow is generally the wage income after deducting social security and provident fund, it can accurately reflect the actual income of borrowers.
2. Transfer flow
Simply put, it is the records left by people when transferring money. More often, the transfer flow is actually the flow formed by the transaction records transferred through the counter, network or online banking. However, few banks will look at the transfer flow when applying for a mortgage. Generally speaking, only some banks and lending institutions will recognize it.
what kind of bank flow is effective and the best?
1. Ensuring that a fixed amount of money is deposited in a good bank account at a fixed time every month can give you extra points for your mortgage application. For a bank account, the borrower will be required to have a bank account for six months to one year. Therefore, it is best for everyone to ensure that there is a deposit in this period of time, and the balance is not zero, so that it is easier to get the approval of the bank.
2. The storage time should not be less than 24 hours, and the interval between deposits and withdrawals should be longer.
When applying for a mortgage, some property buyers think that the bank flow is completed as long as the money is deposited, but in fact, the bank flow of fast-forward and quick-withdrawal, that is, deposit and withdrawal, is not recognized by banks, and some banks may think that you have a large fixed monthly expenditure, which is problematic in repayment ability.
3. Save more and withdraw less, and ensure that there is a certain balance in the card every month, which is roughly more than the monthly payment
. That is to say, you should always deposit and withdraw less. For example, suppose that the monthly repayment amount after you apply for a loan is 6, yuan, then before applying for a loan, you must ensure that the balance in your monthly card is more than 6, yuan, so as to fully guarantee your ability to repay.