The bank flow requirement for buying a house is nearly half a year, and it should be continuous, which can be salary flow or cash flow. The amount is required to be printed on special paper.

Second, what are the requirements for banks to buy a house?

Bank running water refers to the deposit and withdrawal transaction records of bank current accounts. In mortgage to buy a house, banks will require buyers to provide nearly six months of bank running water, requiring family income to be more than twice the monthly payment. So be sure to choose the bank savings account that you often use and have the largest flow to print the flow. : 1. 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, self-employed owners, etc. , the bank will mainly check the borrower's entry-exit account, time deposit balance 1, etc. 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. The difference between bank running water and income certificate 1. Bank flow mainly refers to the self-owned income flow provided by borrowers, which is a list of deposit and withdrawal business transactions between individuals and banks in a period of time. When handling a mortgage, the required bank flow mainly refers to wage income, but not limited to wages. Bank running water can also include other personal income, such as the monthly rent paid by tenants. 2. The income certificate mainly indicates the lender's current monthly income and annual income level, which is generally issued by the borrower's unit and stamped with the official seal of the unit. In fact, in the proof of bank flow and income, banks pay more attention to bank flow, because bank flow reflects the borrower's monthly income for a period of time, which is more convincing. Banks usually want to see the borrower's stable and reasonable bank flow, and they must also ensure that the income of the bank flow is roughly the same as the income certificate. The ups and downs of bank traffic are usually not favored by banks. What should I do if the bank is running out of water? 1. Self-made bank flow: If you have a lot of cash on hand, you can deposit a fixed amount of money into the same bank card on a fixed day every month. In the long run, after 3-6 months, the printed self-storage water can also be recognized by most banks, which is suitable for groups with plans to buy a house. Provide large property certificates: you can provide other large property certificates to banks, such as real estate, cars, funds, large insurance policies, etc. This can also prove your repayment ability. 3. Add parents as * * * co-borrower: The lender and parents go to the bank to show their ID card, household registration book, lender's marriage certificate (single certificate), parents' marriage certificate, parents' bank account and other materials to add parents as * * * co-borrower. However, it should be noted that if the parents are too old, the loan period will be limited or the bank will not issue loans. Generally, you can't apply for a bank loan if you are over 60. However, some banks can relax to 65 years old. 4. Substituting individual tax and social security: Some banks can use personal tax payment certificate, social security certificate, or provident fund payment certificate instead of bank running water, but only if they pay at a fixed time every month to prove that borrowers have a fixed income, but not all banks can do this. Please consult the corresponding banks for details. 5. Providing guarantee certificate: At present, the most commonly used method is house seizure loan, but the borrower who applies for this loan needs to provide real estate license, valid identity certificate of himself and his spouse, marriage certificate, work income certificate, real estate evaluation report, written certificate of consent to seizure issued by (the person who has the right to dispose of the seized property and other obligees) and other loan materials required by the lending institution. Please consult the loan bank for specific operation methods. 6. Increase the down payment: If you can't meet the bank's flow requirements when applying for a loan and can't provide other certificates, you can only increase the down payment ratio and reduce the loan amount to your repayment ability.

3. What are the process requirements of Chengdu Mortgage Bank?

At present, the requirements of each bank are different, and a few banks only look at the income certificate, not the salary flow.

General running water can cover twice the monthly debt! For example, the monthly car loan payment is 1000, and the monthly mortgage payment for newly purchased houses is 4,000, so the average income in these six months or a year needs to reach 10000. A few banks require 2.2 times the debt. The above cases should reach 1 1000.

Fourth, what are the requirements for bank running water when buying a house with a loan?

At present, loans need to provide proof of income and bank flow. The bank requires running water to cover twice the monthly payment, but the amount cannot be too different. Additional income such as bonuses, year-end awards and subsidies can also be counted as telephone consultation.

I hope my answer can help you and wish you a happy life.