Bank statements for buying a house usually require:

1. You need to provide more than 3-6 months of statements before you can apply for a loan. This time period requirement can prove whether the customer's income is stable and whether the source of repayment is sustainable.

2. The bank balance should be more than twice the monthly mortgage payment.

3. For bank statements, it is best to choose a bank that issues wages on your behalf. This type of flow is highly recognized by banks because it accurately reflects the customer's actual economic income level.

What kind of turnover do banks mainly look at

1. Salary turnover

Nowadays, most companies pay wages through bank transfers. Therefore, the so-called wages The turnover refers to the turnover that is issued by the bank on behalf of the bank. It is the most recognized turnover by the bank. Why do banks pay most attention to salary flow when applying for a mortgage? Because salary flow is generally the salary income after deducting social security and provident funds, which can accurately reflect the actual income of the borrower.

2. Transfer history

To put it simply, it is the record left by people when they transfer money. More often, the transfer history is actually a transaction through the counter, the Internet or online banking. Record the resulting flow. However, when applying for a mortgage now, few banks will check the transfer history. Generally speaking, only some banks and lending institutions will approve it.

What to do if the bank flow is not enough

1. Make your own bank flow

If you have a large amount of cash on hand, you can transfer fixed funds on fixed days of each month Deposit into the same bank card and persist for 3-6 months in the long run. The printed self-deposit statement can also be recognized by most banks, which is suitable for people who plan to buy a house.

2. Provide large-amount property certificates

You can provide other large-amount property certificates to the bank, such as real estate, cars, funds, large-amount insurance policies, etc., which can also prove the repayment of the loan. payment ability.

3. Add parents as co-payers

The borrower and his parents go to the bank together and present their ID card, household registration booklet, lender’s marriage certificate (certificate of single status), With your parents' marriage certificate, parents' bank statements and other materials, you can add your parents as co-payers. However, it should be noted that if your parents are too old, the loan term will be limited or the bank will not approve the loan. (Generally, if you are over 60 years old, you cannot apply for a bank loan. However, some banks can relax this up to 65 years old).

4. Use personal tax and social security instead

Some banks can use personal tax certificates, social security certificates, or provident fund payment certificates to replace bank statements, but basically every month Paying at a fixed time can prove that the borrower has a fixed income, but not all banks can do this, so you need to consult the corresponding bank for details.

5. Provide proof of guarantee

The most commonly used method at present is a house seizure loan, but the borrower applying for this loan needs to provide a real estate certificate, valid identity certificates for himself and his spouse, and marriage. Proof, employment and income certificates, real estate evaluation report, written certificate of consent to the seizure issued by the person with the right to dispose of the property and other rights holders of the property to be seized, and other loan materials required by the lending institution. For specific operation methods, please consult the lending bank.

6. Increase the down payment

If you cannot meet the bank flow requirements when applying for a loan and cannot provide other proof, then you can only increase the down payment ratio and reduce the loan amount to your own range of repayment ability.