And if the customer's running water is not enough, it does not mean that the mortgage must not be done. Customers can use social security/provident fund deposit certificate and tax payment certificate instead; If you have certain assets in your name, you can also provide some additional assets and financial information to prove that you have enough ability to repay on time; Or choose to increase the down payment and reduce the loan amount.
In addition, customers can also find a person with good credit to guarantee their loans, increasing the chances of loan approval. Of course, when customers buy a house with a loan, it is best to choose a suitable room type according to their own economic situation. If the economy is average, it is naturally not suitable for a house with a central location, high price and large area.
Can I use Alipay and WeChat?
It is not feasible to provide Alipay and WeChat as collateral. Although some banks may allow it, it is basically used as auxiliary information. It is best to provide bank card running water or passbook running water.
And the bank flow provided by customers is also very exquisite. Only a good running bill can help banks find out the economic income and daily expenses of customers and measure their repayment ability.
First of all, the running time should not be too short, at least more than half a year, preferably more than one year. Secondly, running water can reflect a high and stable monthly income. If the income reflected by a customer's single bank card is low, then the customer can also provide the running water of multiple bank cards under his name.
You may be worried that you usually use WeChat and Alipay to pay, and you rarely use credit cards to spend. However, because most of them are also bound to bank cards through WeChat and Alipay for fast payment, there will be corresponding expenditure records in the bank cards after using WeChat and Alipay for consumption.