1. Yes, it is strong evidence of personal income.

2. The general bank flow should be consistent with the income certificate.

3. The salary income of civil servants, employees of large state-owned enterprises and personnel of public institutions shall be certified by the human resources department, and there is no need for bank flow. Local commercial banks or individual joint-stock banks may not need tap water.

Second, do you need a bank running water to buy a house with a loan?

Loans to buy a house need bank running water. Banks generally require lenders to provide bank running water for at least 6 months. If the bank running water does not meet the requirements, the mortgage application will be rejected. In fact, there are many cases of refusing mortgage because the bank's running water does not meet the application conditions. To solve the problem of insufficient bank flow, users can increase the down payment or extend the loan period, which can reduce the monthly mortgage payment. With the reduction of monthly mortgage payment, the requirements for bank running water are not so high. In addition, if you don't have a job, you should prepare the bank flow in advance. Without the running water of the bank, it is difficult to pass the mortgage review. : 1. Legal content of pre-loan investigation 1. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. 2. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. 3. Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; 4. Regarding the guarantee, investigate the qualification, reputation and ability to perform the contract of the guarantor. Second, how to get the lowest bank loan interest rate 1, and choose the bank with the lowest interest rate to apply for a loan. Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate. 2. Pay attention to personal credit reporting, and do a good job in the loan interest rate of the credit reporting bank, which is calculated by computer according to personal credit reporting, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.

Third, must the bank loan flow be the income flow?

The bank flow of housing loans is not necessarily the flow of wages. It may be better to have a floating salary, which proves the stability of your income. Running water is not necessarily a salary card at all, but your own savings card. The bank mainly compares your income certificate. The fact that the amount of running water is slightly less than the income proves that it is not a big problem. Bank running bill is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement. Refers to the list of deposit and withdrawal transactions between customers and banks within a period of time.

4. Do you need to provide a bank running bill for nearly 6 months to buy a house and borrow from a bank?

Need to provide a bank running bill.

1. We all know that bank flow is indispensable in many application materials, so the borrower is required to provide bank flow, mainly to judge whether the borrower has the ability to repay in full and on time.

2, at the same time, it can also check your water is very important.

1. Personal housing loans refer to loans used to purchase self-occupied ordinary houses. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to buy a house or other houses that are developed and built by qualified developers and sold to individuals).

2. Personal housing loans mainly have the following three forms: personal housing guarantee entrusted loans. Refers to the personal housing loan issued by the housing provident fund management center using residential banks. Housing provident fund loan is a kind of policy personal housing loan. On the one hand, its interest rate is low; On the other hand, this kind of loan is mainly provided for low-and middle-income employees who pay the provident fund. Personal housing self-operated loan is a loan issued by bank credit funds to individual property buyers. Also known as commercial personal housing loans, personal housing secured loans. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing. It is a combination of individual housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

3. There are two main ways to withdraw loans: direct withdrawal. After the loan contract comes into effect, the borrower shall deposit it into his deposit account according to the loan plan agreed in the contract. Special withdrawal. After the loan contract comes into effect, the borrower shall entrust the loan bank to transfer the loan to the deposit account opened by the housing sales unit or developer in the relevant bank one or more times according to the time agreed in the loan. Contract. Borrowers who use special withdrawal methods must provide relevant contracts to lenders when withdrawing money. The agreed payment of provident fund loans will be subject to special withdrawals.