Commercial loans to buy a house need bank flow, which is an important part of loan materials. Generally speaking, banks with continuous monthly payments, stable income and high returns are the most ideal. Therefore, it is best to show a relatively stable entry at a fixed time every month in the bank flow.

The content of bank running water

1, wages are flowing.

The indicator shows the transfer records with the words "salary" or "payroll". It represents the income of buyers and can reflect the stability and repayment ability of buyers' income. At the same time, it is also the most recognized running water for banks.

2. Self-sufficient tap water

Refers to the record of my cash deposit in my bank account; Or my other bank account was transferred to that bank account.

3. Transfer flow

That is, transfer transaction records. If there is a fixed amount of transfer at a fixed time every month, it also belongs to the part recognized by the bank.

Information needed for house purchase loan

1, the original and three copies of the identity documents of both husband and wife (the second-generation identity card must be copied on a4 paper);

2. The original and three copies of the husband and wife's household register (the husband and wife's household register must be copied on a4 paper);

3. The original marriage certificate and three copies (copied on a4 paper); Among them, the married person must provide a marriage certificate issued by the civil affairs department where the household registration is located; Divorced without remarriage, a divorce certificate issued by the civil affairs department at the place where the household registration is located, or a court judgment and divorce certificate issued by the civil affairs department at the place where the household registration is located, or the street office at the place where the household registration is located; Singles must provide a single certificate issued by the civil affairs department or street office where the household registration is located.

4. Proof of repayment ability and 1 copy: if there is a fixed unit, the income certificate in CCB format (stamped with the seal of the personnel and labor department of the unit or the official seal of the unit) and the salary card (discount) for nearly three consecutive months shall be provided;

5. Purchase contract or subscription certificate (original);

6. Down payment materials: payment receipt and down payment pos ticket (original price and 2 a4)； copies);

7. Entrusted deduction account number (original and a4 copy): customers must apply for CCB debit card repayment.