The requirements of mortgage banks for running water are very simple. First, there should be continuous running water, preferably in the last six months. Second, the amount can be more than twice your monthly payment. If this is not possible, it is best to provide running water for the couple, or provide proof of property in their names. If you print out the tap water bill, it is also very simple. Just take your ID card to the bank counter and say that you want to print the running water, and then call the bank to stamp it.
Second, how to play the running water of mortgage banks
You can bring your ID card, bank card or passbook to the counter of the business outlet to apply for printing bank running water; Or we can go to the self-service inquiry machine of the business outlets to print the bank flow; Or we can log in to the bank official website, click on my account, select details in the page that appears, set the query date, and query and print account details. Everyone should pay attention to when printing bank running water. The printed bank running water has legal effect only after the bank signs it. Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. Mortgage refers to personal housing loans. 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 that urban residents use it 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, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. The loan object should be a natural person with full capacity for civil conduct. The borrower must meet the following conditions: 1. Have permanent residence in cities and towns or valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender.
Third, how to buy a house mortgage without a job?
First, add the word * * * to the borrower.
Second, find a small financial company (generally not recommended unless there is really no way)
It seems that it is enough to have proof of income (find a familiar friend to do it), and you need to borrow more water ~
4. How to calculate the bank flow sheet for mortgage?
The bank will see how much you save every month. There is too much money in your bank, and banks usually don't apply for loans until the month. You can set a date for 2W deposit every month and spend as little as possible. So the bank statement. It will show that your deposit is relatively fixed. this