First of all, we need to know that the reason why lending institutions don't lend money is because they can't provide proof of their repayment ability. It is understandable for lending institutions that they cannot provide proof of income and cannot issue loans. First, mortgage loans to buy a house, if you can't provide proof of income, you can also provide proof that the lender has kept it in the bank for a period of time as a mortgage loan. Second, the reason why banks provide proof of income to loan customers is to judge whether they have the ability to repay in full and on time. If the repayment ability is not strong enough, they will not lend for them, which is also a means for banks to control credit risk. Three, usually refers to the income certificate, including two aspects: one is the income certificate issued by the borrower's unit; Second, banks pay wages on their behalf, and both are indispensable, otherwise loans cannot be obtained. 4. In case of the above situation, the borrower can provide self-storage tap water. In other words, the borrower will deposit the specified amount in the same bank account on a fixed date every month and print it out after half a year. However, this kind of running water is not recognized by every bank, so borrowers should know clearly about the mortgage application before applying for a mortgage, so as not to cause unnecessary trouble because the loan is not in place.