Although it is relatively convenient to buy a house with a loan, you don't need to wait until you earn hundreds of thousands of money to buy a house. However, if you want to buy a house with a loan, you must meet some conditions, and the most important thing is to have a certain running water. Although it is relatively convenient to buy a house with a loan, we don't have to wait until we earn hundreds of thousands of money to buy a house. But if you want to buy a house with a loan, you must meet some conditions, and the most important thing is to have a certain running water. Then it depends on the running water requirements of the loan to buy a house, and then on the difference between the running water of the loan to buy a house and the income certificate.

What are the requirements for running water when buying a house with a loan?

Generally, banks with continuous monthly flow, stable income and high returns are the most ideal. Bank flow can reflect that there is a relatively stable entry at a fixed time every month. Of course, banks that fail to meet this requirement may not be able to apply for a 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 the evaluation of your repayment ability; Usually, the monthly income needs of families reflected by the running water of banks are more than twice that of monthly mortgages.

The difference between buying a house by loan and proof of income

1. Bank account mainly refers to the account of the borrower's own income, which is a list of deposit and withdrawal transactions between individuals and banks within a period of time. When handling a mortgage, the required bank flow mainly refers to wage income, but not limited to wages. Bank running water can also include other personal income, such as the monthly rent paid by tenants.

2. The income certificate mainly indicates the lender's current monthly income and annual income level, which is generally issued by the borrower's unit and stamped with the official seal of the unit.

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.

Banks usually want to see the borrower's stable and reasonable bank flow, and they must also ensure that the income of the bank flow is roughly the same as the income certificate. The ups and downs of bank traffic are usually not favored by banks.

Through the introduction of this article, we understand what is the running water requirement for buying a house with a loan. General monthly income stability is the most basic requirement. Secondly, make sure that the income is greater than the monthly repayment amount, so that the bank can believe that you can repay every month. And we also learned the difference between the running water of buying a house with a loan and the proof of income. Running water is brought out of me.