The loan for buying a house is twice the monthly mortgage. Under normal circumstances, buyers who apply for loans to buy a house need to provide personal bank running bills for nearly half a year, and should reflect the stability of monthly income. Because the bank's inspection of the bank's flowing water is to see whether your income level has the ability to repay the loan steadily on a monthly basis.

So in addition to asking you to issue a proof of income in the unit, you should also print a bank statement.

Under normal circumstances, the bank will require the borrower's monthly income to be more than twice the monthly payment. Of course, banks mainly value the amount of deposits, especially the salary part of the bank's running water, as well as the existing and transferred cash flow.

Generally, banks are required to provide the bank flow in the last six months, and different banks may have different requirements.

Because the bank values your stable income, if it is much higher, it is best for the bank to ensure a steady stream of water and stable income.

If you are married and both work, the bank will often ask for the income certificate of the applicant and his spouse and the bank statement for the last six months. If one party has no job, there is no need to provide bank running water.

In addition, it is very dangerous to remind everyone not to believe in bank fraud. Once found, 100% will be rejected.

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What if the loan for buying a house is not enough?

1, increase by * * * same as that of the lender.

For married people, if the bank flow of one party does not meet the requirements, the bank flow of both husband and wife can be provided, and as long as both husband and wife meet the requirements, they can also apply for loans.

2. One-time large deposit

You can deposit a large sum of money in the bank card at one time, provide economic proof and prove your repayment ability. You can also provide other large property certificates to the bank, such as other real estate, cars, etc. You can also provide your fund or policy notes, which is also possible.

3. Provide proof of guarantee

Some banks allow borrowers to provide valid guarantee certificates. For example, the house is in the wife's name, but the wife doesn't have enough running water. The husband provides a guarantee statement that he is willing to take full responsibility if the wife can't repay the loan in time. Coupled with the income certificates issued by both units, if they can prove that their overall repayment ability meets the requirements, they will also lend, but because of the different policies of banks, not all banks are applicable.