I believe that most people nowadays choose to go to the bank to apply for a house purchase loan, which can save a lot of expenses. However, the bank needs to provide flow, so what should I do if the flow of the house loan is not enough? This is a lot It’s a question that everyone who buys a house wants to know, and here we’ll introduce you to several solutions. I hope it can help everyone solve their urgent needs!

What should I do if the loan flow for buying a house is not enough? For working-class people, the bank will mainly look at your salary flow, monthly account balance and the average daily balance of the account. For small and medium-sized enterprise owners, self-employed owners, etc., banks will mainly check the borrower's entry and exit accounts, fixed deposit balance, etc. It is best to have bank statements showing relatively stable deposits at a fixed time every month. The monthly household income reflected in bank statements must be more than twice the monthly mortgage payment. Therefore, turnover is very important, and the following solutions can be adopted:

1. What to do if the turnover of a house purchase loan is not enough? You can deposit a certain amount of funds into your bank card at one time

You can deposit a certain amount of money into your bank card at one time and provide proof of your income to prove your ability to repay. You can also provide the bank with proof of other large amounts of property, such as other properties, cars, etc. You can also provide your fund or policy notes. These are also acceptable!

2. What if the loan flow for buying a house is not enough? Married people can provide the bank statements of both spouses

For married people, if one party’s bank accounts do not meet the requirements, they can provide the bank statements of both spouses, as long as the husband and wife’s bank accounts meet the requirements. You can apply for a loan.

3. What to do if the current flow of the house purchase loan is not enough? Use the Provident Fund payment certificate or the personal tax certificate to replace the bank balance.

You can use the personal tax certificate or the social security certificate to replace the bank balance. The prerequisites are: It must be paid at the same fixed time every month, so as to prove that the borrower has a stable and fixed income. At the same time, not all banks can do this. You need to consult several banks for details.

4. What to do if the loan flow is not enough? Provide a guarantee that meets the requirements to apply for the loan

Some banks allow the borrower to provide a valid guarantee certificate, plus an income certificate issued by the employer. If it can be proven that its overall repayment ability meets the requirements, the loan will be granted. However, due to different bank policies, it does not apply to all banks.

5. What to do if the loan flow for buying a house is not enough: increase the down payment and reduce the loan amount

If the borrower’s bank flow does not meet the requirements and cannot provide other proof, the borrower can only increase the down payment ratio. , reduce the loan amount to within the scope of your repayment ability.

The above is our answer to the question of what to do if the loan flow is not enough. Friends in need can read it. However, due to differences in localities and bank policies, it is best to consult the local loan bank in advance. , understand the loan policies in a timely manner, choose a solution that suits you according to your actual situation, and strive to achieve your goals as soon as possible. This is the best!