Calculate how much it will cost to renovate your home

As we all know, when people apply for bank loans, they need to submit a lot of materials, including bank statements, so that they can be sufficient. Prove you have the ability to repay. So the question is, can I get a loan without cash flow? What other steps can a lender take to apply for a loan? Let me give you a brief introduction below. \r\n \r\n\r\nCan I get a loan without any current account?\r\n \r\n\r\nCan I get a loan without any outstanding accountant? Because many banks only require proof of your income when getting a loan to buy a house. Only some banks require cash flow before you can get a loan to buy a house. If you encounter this situation, it is recommended to try another bank or go to a commercial bank for a loan. \r\n \r\n \r\n\r\nIf bank statements cannot be provided, the borrower can also take the following measures to apply for a loan: \r\n \r\n\r\n1. Provide collateral Apply for a mortgage loan\r\n \r\n\r\nIf the borrower has other properties and cars in his name, he can use the house and car to apply for a mortgage loan. Usually when there is collateral, the lending institution will appropriately reduce the lender's loan requirements, because having collateral as a guarantee reduces the bank's lending risk. \r\n \r\n \r\n\r\n2. Provide social security/provident fund/personal tax certificate\r\n \r\n\r\nOf course, if the lender has also paid social security, provident fund or personal tax At tax time, it is recommended to provide the bank with proof of social security payment, provident fund payment, and tax payment. \r\n \r\n\r\n3. Provide commonly used passbooks\r\n \r\n\r\nIf you have the habit of saving, you may wish to use common passbooks to issue salary statements on behalf of the bank. \r\n \r\n \r\n\r\n4. Provide self-deposit bank statements\r\n \r\n\r\nIf you are unable to provide payroll statements, of course you can also provide self-deposit statements The transaction means that you deposit the same amount into the same account during a fixed period every month. After a period of time, you can print out the transaction. \r\n \r\n\r\n5. Use the bank statement of one spouse for a loan\r\n \r\n\r\nIf the salary of one spouse is distributed by the bank, you may wish to use the bank statement of that party Make a loan application. \r\n \r\n \r\n\r\nEditor's summary: After reading the above introduction, I believe everyone has a better understanding of whether it is possible to get a loan without cash flow. If you want to know more relevant information, please continue to pay attention to our website, and we will present you with more exciting content in the future.

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