Alipay is more and more widely used, but even if the bank card is bound, banks can't print the flow of funds paid by third parties. Because banks can't record the operation records of users' online payment, it has an impact on loan application, qualification appraisal, visa, real estate license and so on.

Because it is impossible to guarantee the authenticity of the third-party payment institution's running water, it is impossible to issue the joint running water certificate of the bank and Alipay at present.

If you transfer money to Alipay through a bank card, the account will be displayed in running water. If you deduct money from the bank card through express payment, the running water will also be displayed, but only Alipay deduction will be displayed. What the running water prints out is the change of funds in the bank card. If the funds only change in Alipay, there is no way to reflect it.

Online payment is used by more and more people, but it lacks relevant policy support and supervision. Therefore, banks and courts will not accept the assets and running water certificates paid online. If you can't provide proof of bank running water, you can only provide proof of deposit or other personal assets.

Extended data:

Bank mortgage is a kind of mortgage loan for house purchase. With the property right of the house purchased by the buyer as collateral, the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in monthly installments. The proportion of bank mortgage is usually between 50% and 80%, and the term ranges from 65,438+0 years to 30 years. Bank mortgage is the most effective means to promote the real estate market to be active.

Letter of Intent for House Purchase signed by the Borrower and the Seller, receipt of more than 30% house payment or other supporting documents;

Valid identity documents of the borrower's husband and wife, proof of marital status, household registration book, proof of half-year income and bank flow;

Proof that someone is willing to mortgage the property;

Other materials deemed necessary by the loan bank;

If the borrower is a legal person, it must carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the articles of association and the mortgage certificate of the board of directors.

References:

Baidu encyclopedia-bank mortgage loan