What is bank running water?
Bank flow is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement, which refers to the list of deposit and withdrawal business transactions between borrowers and banks within a period of time (usually nearly 6 months). Including salary, card deposit, existing, transfer, payment, card withdrawal, transfer and so on. If it is a loan to buy a house, the bank will focus on the borrower's repayment ability. Generally, the borrower's monthly income is required to be more than twice the monthly payment. In addition to proof of income, it must also be reflected in the running water of the bank. What banks mainly value is the amount of deposits, especially the salary part of the bank's running water, as well as the existing and transferred cash flow.
For the bank flow, the lending bank generally only pays attention to the borrower's credit line, such as 20,000 yuan in 15 and10,000 yuan; Actual income 10000. 20,000 at 15 and 20,000 at 16; The actual income is 20,000. Mainly depends on the borrower's income and the length of stay.
What are the requirements for the running water of the mortgage bank?
Different banks have different requirements for the flow of mortgage banks. Generally speaking, banks with continuous monthly payments, stable income and high returns are the most ideal. Therefore, the bank flow can better reflect the relatively stable entry at a fixed time every month.
When applying for a mortgage, the bank requires the borrower to provide bank running water, which is mainly used to judge the individual's repayment ability. The monthly income needs of families reflected by the running water of banks are more than twice that of monthly mortgages. 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 and so on. , the bank will mainly check the borrower's entry-exit account, time deposit balance, etc. To see if you can repay your debts on time.
Generally speaking, banks have the following requirements for the flow of mortgage loans:
1. General banks require to provide the bank flow in the last six months or a year, and different banks may have different requirements.
2. It is advisable to ensure uninterrupted bank flow and stable income.
3. For married people, the bank will require the income certificate of the applicant and his spouse and the bank statement for the last six months. If one spouse is not in the company, as long as the other bank meets the requirements.
4. Single, if the bank is short of running water, parents can apply for a loan as co-borrower.
How to obtain bank flow?
For banks applying for mortgage loans, borrowers can bring their ID cards and bank cards and print them directly at the bank counter window.
What should I pay attention to when buying a house with a bank loan?
Property buyers must not believe that the bank can cheat money, because once the bank finds out, the loan will definitely be rejected; Secondly, it is suggested to calculate the mortgage amount according to your own situation, so as to calculate the corresponding bank flow amount demand.
The above is the content of the bank loan to buy a house. If the bank's traffic is not enough, it is recommended to prepare as soon as possible, which can save the bank's traffic. As long as it can persist, the bank is also recognized.