The more the better, but it must be true. Generally, the monthly flow is required to be 2~3 times of the monthly supply, and it should be consistent with the amount on the income certificate. At least half a year's bank flow should be provided, and the monthly flow should be stored regularly. The monthly amount should be equal to or higher than that of the first month.
Extended data:
Mortgage loan, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are: urban residents are used to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 30% of the funds needed for house purchase, and have a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower by using housing provident fund deposits and credit funds to purchase self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information: identity documents; Proof of stable economic income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; Guarantor agrees to provide written guarantee documents and guarantor's credit certificate; Five, to apply for housing provident fund loans, the need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
Running water refers to the business turnover, that is, the total amount of only your products or commodities in the transaction. This indicator does not include the cost of purchasing goods or raw materials. It can also refer to funds in and out of a bank account. Commonly used turnover (flow) formulas are: turnover/transaction times = average transaction unit price turnover/sales quantity = average product unit price.
Flow requirements of mortgage banks
First of all, an affirmative answer.
The requirements for mortgage bank running bills are as follows.
Second, the specific analysis
1. In the bank running bill provided by the lender, the monthly income cannot be less than twice the monthly mortgage repayment.
For example, if the monthly repayment amount of the mortgage loan applied by the lender is 3,000 yuan, then the monthly bank income provided by the lender cannot be less than 6,000 yuan.
Generally speaking, mortgage loans will require lenders to provide bank cash flow in the last six months.
Of course, different banks have different requirements for bank flow, and some banks require bank flow in the last year.
There should be a steady income in the running water of the bank.
The working class mainly looks at the salary flow, the monthly account balance and the average daily account balance. Small and medium-sized business owners, self-employed owners, etc. , mainly check the balance of incoming and outgoing accounts and time deposits.
4. If you are married, the bank will generally require the lender and spouse's bank to run smoothly.
Of course, if the lender's personal bank flow is high enough to meet the requirements of bank flow, it is not necessary to provide the spouse's flow.
Before applying for a loan, you can go to Winnie Hsin to check your credit status. If your credit is not good, you can wait for a while, and then apply with a low credit risk score and almost no stain, which will make it easier to pass.
3. What if the mortgage has not been approved for several months?
If the mortgage has not been approved for several months, it is suggested to call the handling bank for customer service consultation as soon as possible to see what causes the other party to delay repaying the loan.
If people are waiting in line for loans due to lack of funds, they can only continue to wait patiently and urge the other party to lend money as soon as possible (at the same time, they should explain the situation to the developer and both parties should discuss it well to avoid unnecessary disputes due to the delay in receiving the house payment).
If the buyer's qualification has problems, such as the recent credit damage, you can only negotiate with the bank, you can add more information about assets and financial resources, you can also try to increase the down payment and reduce the loan amount, and you can also find a person with good credit to guarantee it. If the mortgage is really not paid, you can only choose to give up.
And if it is because the developer's documents are incomplete and he is not qualified to buy a house, then the mortgage will naturally not be approved.
In this regard, you can only choose to return a house, and you can ask the developer to refund the down payment and pay a certain loss fee.
How much water does the mortgage need?
First of all, an affirmative answer.
Generally speaking, the bank running water provided by the loan when buying a house cannot be less than twice the monthly mortgage repayment.
Second, the specific analysis
For example, suppose a person applies for a mortgage loan of 600,000 yuan with a term of 20 years and the monthly principal payable is 2,500 yuan, then the monthly income submitted to the bank cannot be less than 5,000 yuan.
In short, the more information you can provide about economic income, the better. In this way, the more you can prove that you have enough repayment ability, the easier it will be for the mortgage to pass the examination and approval.
Otherwise, if the bank's running water is less than twice the monthly mortgage payment, banks will inevitably worry about the lack of repayment ability and the risks in loans overdue, and they may refuse to issue loans.
If you can't provide too much bank flow, you can actually choose to apply together with your spouse and parents, and then provide the other party's bank flow to supplement it.
It should be noted that although you can do your own flow, it must not be the type that can be accessed once, otherwise it will be judged as invalid by the bank.
Cyber hackers usually refer to users who fail to repay loans on time or have bad behavior. It is easy to be included in cyber hacking attacks. To judge whether they are cyber hacking attacks, you can check them in North China.
Third, is it good to buy a house decoration loan?
As long as you prepare your personal identity document, local valid residence certificate (household registration book or temporary residence permit), income certificate (such as bank running water and payroll), and the decoration project contract signed with the decoration enterprise and the contract for purchasing decoration materials, it is not difficult to obtain a house decoration loan at the selected bank.
Ask the staff at the service window to get the application form and fill it out, then submit the completed form together with the information you bring, and the bank will review it.
If the comprehensive credit rating is up to standard and approved, the person who receives the notice will go to the bank outlet to sign the loan contract, and then the bank will lend money.
When the money is paid to the account, it can be withdrawn and used at that time.
As long as the personal credit is good, there is no bad information record in the credit report; As well as a stable and legitimate source of economic income and the ability to repay the principal and interest of loans on time, loans can often be handled smoothly.
Requirements for handling mortgage bank bills
Generally speaking, to apply for a loan in a bank, the borrower's bank flow is 2 to 3 times the monthly repayment amount. Usually, the bank will ask the lender to provide the bank flow for nearly half a year or a year.
Of course, different banks have different requirements. It is suggested that banks have uninterrupted flow of water and stable income. Of course, it would be better if the income is high.
Mortgage loan, also known as house mortgage loan. Mortgage means that the buyer fills in an application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to issue loans to the buyer after passing the examination, and handle real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
classify
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Personal housing entrusted loan refers to the loan issued by the bank to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loan is a loan issued to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower by using housing provident fund deposits and credit funds to purchase self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.
Loan amount: 80% of the loanable property value after passing the bank review.
Down payment on mortgage: 30% down payment is required for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age should not exceed 70 years old.
Loan interest rate: the benchmark interest rate for the first set of housing loans over five years is 6.55%, and the interest rate for the second set of housing loans is 1. 1 multiple of the benchmark interest rate, that is, 7.26%.
way
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.