Housing loans must be in the bank. Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. For the working class, the bank will mainly look at your salary flow, monthly account balance and daily average account balance. For small and medium-sized business owners and self-employed owners, the bank will mainly check the borrower's entry-exit account, time deposit balance and so on. It is best to explain that there is a relatively stable entry in the bank flow at a fixed time every month. The monthly income needs of families reflected by the running water of banks are more than twice that of monthly mortgages.

Second, can buying a house and starting a business loan be running water?

Commercial loans to buy a house need bank running water. Banks generally require lenders to provide bank running water for at least 6 months. If the bank running water does not meet the requirements, the mortgage application will be rejected. In fact, there are many cases of refusing mortgage because the bank's running water does not meet the application conditions.

To solve the problem of insufficient bank flow, users can increase the down payment or extend the loan period, which can reduce the monthly mortgage payment. With the reduction of monthly mortgage payment, the requirements for bank running water are not so high.

Excuse me, I want to borrow money to buy a house, and I need income proof and bank running water. I work in a foreign country. Is it okay to have income certificate and bank account?

General banks have to run for nearly half a year, and individual banks require nearly one year.

If you want to borrow money to buy a house, the proof of foreign income depends on whether the bank accepts it. Some banks can accept proof of income from different places, but not all.

It should be noted that you don't work locally, so do you meet the local purchase restriction policy? How to buy a house if it does not meet the local purchase restriction policy?

Therefore, you'd better know about the local purchase restriction policy first. If you can prove your income and running water, this is a good solution! (The local agent will answer the questions! )

I hope it helps!

4. I want to ask, does it need bank running water to buy a house with a loan?

Loans to buy a house need bank running water. Banks generally require lenders to provide bank running water for at least 6 months. If the bank running water does not meet the requirements, the mortgage application will be rejected. In fact, there are many cases of refusing mortgage because the bank's running water does not meet the application conditions. To solve the problem of insufficient bank flow, users can increase the down payment or extend the loan period, which can reduce the monthly mortgage payment. With the reduction of monthly mortgage payment, the requirements for bank running water are not so high. In addition, if you don't have a job, you should prepare the bank flow in advance. Without the running water of the bank, it is difficult to pass the mortgage review. For more information about buying a house by loan, please go to:/ask/2347081615597568.html? Zd view more content