Bank statement is a document that must be prepared for bank loans. It can prove your personal income. The bank will use this document to examine your ability to repay the loan. So can I apply for a mortgage by depositing money at an ATM? Let’s find out together.
Can I apply for a mortgage by depositing money at an ATM and applying for a mortgage?
No, the printed statement from depositing money at an ATM is useless and cannot prove personal income. When printing a bill, you must bring your ID card to the business hall counter or self-service machine to print it. If printing at a self-service machine, first insert the bank card - enter the password - click on the query details page - enter the date to be printed - query - print.
How to get a loan to buy a house
1. Prepare materials
When buying a house with a loan, you must prepare sufficient materials, otherwise the bank will not grant the loan. The materials that need to be prepared include: personal ID card, marital status, income certificate, real estate certificate, household register, etc.
2. Confirm the property
After the materials are ready, it is still necessary to further confirm whether the property can be loaned by a bank. After asking clearly, the lender can inquire about the relevant matters from the legal firm designated by the bank. loan matters.
3. Submit a loan application
Next, the lender needs to go to the bank to fill out a home loan application form and bring original documents such as down payment receipt, house purchase contract, ID card, income certificate, etc. and copies.
4. Bank review
After the borrower fills out the application form, the bank will review the loan application. They will strictly review the borrower's information, especially the income certificate and personal credit report. , so personal credit investigation is very important. If the review is passed, they will notify the applicant to sign a housing mortgage loan contract, and then go to the housing authority to apply for the "Certificate of Other Housing Rights".
5. Bank transfer
The loan procedures have been completed. In the end, all you have to do is wait for the bank to release the loan. The bank will transfer the loan to the lender's bank account in one go as a way to purchase a house. purchaser's purchase price.
The editor summarizes: The above is about whether it is possible to apply for a mortgage by depositing money at an ATM machine. I hope it will be helpful to everyone! Applying for a home loan requires not only bank statement certificates, but also many certificates. You may wish to learn more about the above content.