The bank's mortgage has regulations. After the property buyer handles the mortgage, the proof of income of the commercial loan for the house purchase requires you to provide more than twice the monthly repayment amount. For example, the commercial loan is 500,000 yuan, the repayment period is 20 years, the monthly repayment is more than 3,400 yuan, and the income certificate needs to reach 6,800 yuan per month.
If the buyer doesn't have a job and the bank doesn't have much running water, you can provide the bank with assets certificates provided by other financial institutions, such as certificates of deposit, real estate, luxury cars, watches, large insurance policies, bonds and a series of information that can prove the buyer's assets.
Two. Commercial loan purchase income certificate
Proof of income from other places is also acceptable, above the proof of income. Copies of some bank business licenses to ensure income. The person in charge of the income certificate cannot be himself. Banks generally don't check his authenticity, let alone the relationship between the personal income department and the bank. Developers will help you with everything. They are more concerned about your loan.
3.202 1 How much flow is needed for a loan of 500,000 yuan? Let's calculate!
As we all know, when a buyer applies for a mortgage, the bank needs to check the bank flow and income certificate of the buyer. This is to ensure that property buyers have a certain repayment ability, but also to ensure that the monthly pressure on property buyers will not be too great. 202 1 How much water is needed for a loan of 500,000 yuan? Let's calculate!
202 1 How much water is needed for a loan of 500,000 yuan? The bank's mortgage has regulations. After the buyer applies for a mortgage, the monthly payment cannot exceed half of the monthly income. Suppose the buyer wants to apply for a loan of 500,000 yuan. If you apply according to the 30-year loan term, the monthly income of buyers should be more than 3500 yuan. If buyers want to apply for a 50-year mortgage, then according to the principle, the monthly income of buyers should be more than 4,000 yuan. In addition to the monthly payment to meet the conditions of banks, property buyers want to apply for mortgages, and the personal debt ratio cannot be too high. Banks with looser audit will require buyers' personal debt ratio not to exceed 50% of monthly income, while some banks with stricter audit will require buyers' personal debt ratio not to exceed 30% of monthly income. There are still many homebuyers who have no jobs and there is not much running water in the bank, which leads to the failure of mortgage application. At this time, you can issue certificates of assets provided by other financial institutions to the bank, such as certificates of deposit, real estate, luxury cars, watches, large insurance policies, bonds and a series of materials that can prove the assets of buyers. Generally speaking, if a property buyer wants to apply for a mortgage from a bank, the tap water of the bank is one of the materials that must be provided. Property buyers must not take chances and let third-party organizations such as sales offices help cheat. Once found, you may have to bear criminal responsibility! The above is the related content sharing of "202 1 How much water is needed for a loan of 500,000 yuan", and I hope it will help everyone!