1. What is bank flow?
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. Ordinary office workers are personal running water, while small and medium-sized business owners and self-employed individuals are public running water.
Second, what are the requirements for the running water of the mortgage bank?
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.
Third, does the interruption of tap water affect the mortgage application because of changing jobs?
It doesn't matter much if you change jobs and interrupt the flow of the bank. If you can't provide bank flow for half a year, you can provide large time deposits. If you are self-employed or do business, you can provide a business license and have proof of property such as a house for local loans.
Four, bank water shortage can be solved by the following methods.
1, married people can provide running water for both husband and wife.
For married people, if one spouse's tap water does not meet the requirements, both spouses can be provided with tap water, and as long as both spouses meet the requirements, they can also apply for loans.
2, with provident fund deposit certificate or personal tax payment certificate instead of bank running water.
Personal tax payment certificate and social security certificate can be used instead of bank running water, provided that the payment is made at the same fixed time every month to prove that the borrower has a stable and fixed income. At the same time, not all banks can do this, so we should consult banks more.
3. Deposit a certain amount of funds into the bank card at one time.
You can deposit a certain amount of money in the bank card at one time, and provide your own income certificate, and you can also prove your repayment ability. You can also provide other large property certificates to the bank, such as other real estate, cars and the like, and you can also provide your fund or policy notes, which is also possible!
4. Provide guarantees that meet the loan requirements.
Some banks allow borrowers to provide effective proof of guarantee, plus the income certificate issued by the unit, which can prove that their overall repayment ability meets the requirements, they will lend. However, due to different banking policies, it does not apply to all banks.
Bian Xiao reminds everyone:
There are intermediaries or institutions in the market who claim that they can handle fake water, and they are suspected of committing the crime of buying and selling official documents of state organs, enterprises and institutions and the crime of privately engraving official seals of state organs, enterprises and institutions. If found, property buyers are also suspected of fraudulent loans, and serious cases will be investigated for legal responsibility. Therefore, everyone who buys a house should be cautious and must not take chances.