When handling mortgage loans, personal bank statements are needed to evaluate the repayment ability of lenders.

Information to be provided for mortgage:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The original purchase agreement;

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number is 1 copy.

Second, when applying for a mortgage, what are the general requirements of the bank for running water?

When applying for mortgage loans, banks usually have the following requirements for borrowers:

1. The borrower is between 18 and 60 years old and has full capacity for civil conduct.

2. The borrower has a stable job and income, and can provide true work certificate, income certificate and salary flow in the last six months.

3. The borrower has good credit.

4. The borrower has a house purchase contract or other valid documents.

5. The borrower must pay the down payment of the house that meets the relevant regulatory requirements.

6. Other conditions stipulated by the lending bank.

There may be differences in mortgage application requirements among banks. I suggest you consult your local bank outlets in detail.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.

3. When applying for a mortgage, what are the general requirements of the bank for running water?

At present, the bank running water has enough influence when applying for mortgage, in order to prove whether the lender can lend, so what requirements does the bank have for running water when mortgage is needed?

1, ordinary working class

Generally speaking, different types of people apply for mortgage loans from banks. If you are an ordinary wage earner, the bank mainly looks at your salary, as well as your monthly account balance and daily average balance. After all, the bank gives you a loan.

2. Small and medium-sized business owners

It is said that the word "I" is not in the forefront, so there are many companies now. Therefore, for small and medium-sized business owners, the bank will mainly check your import and export account and time deposit balance. It is best to have a relatively stable trust in the bank flow at a fixed time every month. After all, banks have to take risks when they borrow money.

Bank flow and income

1, bank flow

Bank flow mainly refers to the borrower's demand for bank flow when providing personal deposits and withdrawals to the bank for a period of time, but it is not limited to wages, other income of silver individuals, and

2. Proof of income

The income certificate mainly explains your current monthly income and annual income level, which is generally issued by the borrower's unit and supplemented.

In fact, in the proof of bank flow and income, banks pay more attention to bank flow, because bank flow reflects the borrower's monthly income for a period of time, which is more convincing.

What banks usually want to see is the stable and reasonable bank flow of borrowers, which is roughly consistent with the income certificate and is suddenly favored by banks.

(Hualong. Com synthesis)

Fourth, how many months does it take to buy a house with a loan?

1. Generally speaking, when buying a house loan, the borrower will be required to provide the bank flow for more than half a year (including half a year). Sometimes it may only take about 3 months for the bank to run smoothly.

2. Different banks have different regulations on the time requirement of bank flow. The specific data may vary from person to person, and different people may be different. When handling mortgage loans, you can ask the bank staff, subject to the bank staff's reply.

3. Banks that fail to meet this requirement may not be unable to apply for mortgage. If the income reflected by a single bank card is low, the borrower can provide the running water of multiple bank cards under his name. In addition, try not to withdraw all the funds from the card at a fixed time every month, so that the bank will think that you have a fixed large expenditure, which will affect your assessment of repayment ability. The monthly income needs of families reflected by the running water of banks are more than twice that of monthly mortgages.

Extended data

Bank flow and its solution;

1. Married people can provide running water for both husband and wife.

Xiao Li's monthly punch card salary is 1000 yuan, and he has to pay back 6000 yuan every month when applying for a mortgage. According to the requirements of the bank, if the monthly income is greater than or equal to X2, Xiao Li's monthly salary should reach at least1.2000 yuan, while Xiao Li's wife Xiaoli's monthly punch card salary is 9000 yuan, and the monthly * * of husband and wife is1.9000 yuan, which is consistent with the bank.

Analysis: For married people, if one party's running water does not meet the requirements, it can provide running water for both husband and wife, and as long as both husband and wife meet the requirements, they can also apply for loans.

2. Deposit a certain amount of money in the bank card.

Xiao Zhang recently changed his job. His bank card only shows the word "salary" for three months in half a year. When applying for a mortgage, in order to prove his repayment ability, Xiao Zhang deposited 200,000 yuan into the bank card at one time, and provided the income certificate of the unit. The monthly punch card salary can reach 9000 yuan, more than twice the monthly mortgage, which proves that his income is enough to repay the mortgage.

Analysis: A borrower like Xiao Changcan proves his repayment ability by depositing a certain amount into the bank card at one time and providing his own income certificate.

3. Use the deposit certificate of the provident fund or personal tax payment certificate to replace the bank flow.

Huang Xiao wants to apply for a mortgage, and the bank requires running water, but her monthly salary is discovery money, so she can't provide running water, but Xiao Huang pays the provident fund, individual tax and social security on time every month. Some banks agreed to replace the bank flow with "personal tax payment certificate, provident fund deposit certificate and personal social security certificate".

Analysis: Personal tax payment certificate and social security certificate replace bank flow, provided that they are issued at the same fixed time every month to prove that the borrower has a stable and fixed income. At the same time, not all banks can do this and need to consult banks more.

4. Provide guarantees that meet the loan requirements.

There is also a property under Lao Zhang's name, which was bought in full before. Although his monthly income is not much, his bonus at the end of the year is considerable. Lao Zhang now wants to apply for a loan to buy another suite, but because the punch card salary does not meet the requirements, his wife has no job and can't help him provide the same water, which makes it difficult for him to buy a house.

Analysis: Some banks allow borrowers to provide valid guarantee certificates, plus income certificates issued by the unit. If they can prove that their overall repayment ability meets the requirements, they will also lend. However, due to different banking policies, it does not apply to all banks.

5. Increase the down payment and reduce the loan amount.

Xiao Liu wants to apply for a loan. He has just worked for less than half a year, and his monthly punch card salary is 5000 yuan. He is single and has no other valid proof to prove his repayment ability.

Analysis: If the borrower's bank flow does not meet the requirements and can't provide other certificates, he can only increase the down payment ratio and reduce the loan amount to his repayment ability.

Summary: Due to the differences between local and bank policies, it is best for borrowers to consult local loan banks in advance, understand the loan policies in time, and choose appropriate solutions according to their actual conditions.