1. In the bank running bill provided by the lender, the monthly income cannot be less than twice the monthly mortgage repayment.
For example, the monthly repayment amount of the mortgage applied by the lender is 3,000 yuan, so the monthly income of the bank provided by the lender cannot be less than 6,000 yuan.
Generally speaking, mortgage loans will require lenders to provide bank cash flow for the last six months.
Of course, different banks have different requirements for bank flow, and some banks require bank flow in the last year.
3. There should be continuous and stable income in the running water of the bank.
The working class mainly depends on the salary flow, monthly account balance, daily average account balance, etc. Small and medium-sized business owners, self-employed owners, etc. , mainly to 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 personal bank flow of the lender is high enough to meet the requirements of bank flow, there is no need to provide spouse flow.
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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 customer service consultation of the handling bank as soon as possible to see what causes the other party to delay repaying the loan.
If people queue up 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 with the developer and discuss it well to avoid unnecessary disputes due to the delay in receiving the house payment).
If there are problems with the qualifications of buyers, such as the recent credit damage, they can only negotiate with the bank to supplement more assets and financial information, or try to increase the down payment, reduce the loan amount, and find a person with good credit as a guarantee. If the mortgage is really not good, you can only choose to give up.
And if it is because the developer's documents are incomplete and he does not have the qualification 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.