1. Can I apply for a home purchase loan if I don’t have a bank account?

You can apply for a home loan without a bank account, but it will have a greater impact on the approval of the mortgage and may affect the loan term. and loan interest rates, etc. When applying for a loan to buy a house at a bank, generally speaking, the bank will require the borrower to provide proof of income, personal credit report, valid asset certificate and other information. Some banks may require bank statements. If no proof of statements is provided, the loan score may be deducted. point. What should I do if my mortgage flow is really not enough? 1. Make your own bank flow. If you have a large amount of cash on hand, you can deposit a fixed amount of funds into the same bank card on a fixed day every month for 3-6 months and print out your self-deposit flow. It can also be recognized by most banks and is suitable for people who plan to buy a house. 2. Provide proof of large property. You can provide the bank with additional proof of other large property, such as real estate, cars, funds, large insurance policies, etc. These can also prove your repayment ability. 3. Add parents as co-payers. If you buy a house with your wife or parents, Then the party concerned can act as the primary lender and the wife/parents as the secondary lender, and make a part of the loan. But it should be noted that if the parents are too old, the loan period will be limited or the bank will not approve the loan. (Generally, if you are over 60 years old, you cannot apply for a bank loan. However, some banks can relax this up to 65 years old.) 4. Provide proof of security. Currently, the most common way is to use a house mortgage loan, but borrowers applying for this loan need to Provide the real estate certificate, valid identity certificates for yourself and your spouse, marriage certificate, employment and income certificates, real estate evaluation report, written certificate of consent to the seizure issued by the person with the right to dispose of the property and other rights holders, and the loan institution’s required documents. For other loan materials, please consult the lending bank for specific operation methods. 5. Increase the down payment. This is the last method. If you cannot meet the bank's flow requirements when applying for a loan and cannot provide other proof, then you can only increase the down payment ratio and reduce the loan amount to the range of your repayment ability.

2. Can I get a real estate mortgage loan without bank statements?

If there is no bank flow for a bank mortgage loan, you can do the following:

1. Change to another bank for a house purchase loan, not every bank requires it);

2. Or you can try other properties, cars or securities as auxiliary proof of repayment ability;

3. Provide the company’s salary certificate or personal tax payment slip

4. In fact, in addition to explaining your income, if you have credit business with a financial institution and can do so on time and in accordance with regulations, from the perspective of bank personnel, you can be regarded as a person with good credit, and under the same conditions, you can preferential treatment.

The purpose of the account flow is to review the ability to repay the bank's debts. Generally speaking, for working-class people, banks will mainly look at your salary flow, monthly account balance, and the average daily balance of the account. Using this information, the bank's own model is used to calculate your monthly freedom after deducting basic living expenses and other necessary expenses. Whether you can repay your debt on time.

3. Can I get a loan if I don’t have a bank statement to buy a house?

Hello Lou Lou, this depends on the bank, city, and whether the policy is tight. Some banks agree to this operation. The following are some operations and real experiences, I hope it will be helpful to Loulou

(1) Don’t listen to sales who say it’s okay. Sales may boast about performance, but there will be a lot of surprises later, then You are the one in trouble, so find out for yourself and ask.

(2) You can determine the loan amount and the bank: Communicate with the bank. If the bank's loan officer or business staff says it is okay, then it is basically okay. Currently, in many places, the monthly payment is less than the monthly payment. Some banks do not require bank statements and only require you to submit a proof of income. This proof of income is not necessarily true. The bank only depends on whether you can apply for it, so you only need to increase the down payment and downgrade the loan limit until it does not exceed the monthly payment. , only open income flow.

(Personal experience)

(3) If you are not sure about the bank, you must settle this part of the matter with the salesperson first. Let the salesperson take you to communicate with you personally about the loan. After trusting the salesperson, When you are not sure, don’t believe anything the salesperson says. Before you pay, he will meet your requirements, so if you are tough, you should be able to do it (I feel like you can do it)

( 4) If the salesperson does not approach the bank in advance, then sign an agreement stating that the salesperson will help handle the loan and will not bear any losses if the loan fails due to false transactions. If the salesperson is really confident, it should be easier to say (feeling) It’s a bit unrealistic, but it can be used to blow up sales)

As for the impact on the future: I haven’t seen it yet, and I don’t rule out that policy changes will have an impact. I feel that as long as you can repay the loan, it will be fine, and the bank will not We will pursue the case. If you can't repay the loan, the house should be auctioned. At that time, there is no need to consider credit records, etc., so there are currently no punitive measures. Note: For fake information found during review, the bank will only send the information back and ask you to re-issue a proof of income and a statement of current flow. If it cannot be issued, you may not be able to get a loan, and will not record a blacklist or credit report. There are questions

The following are examples. I am anonymous because I am afraid that the following examples will cause unnecessary trouble to me. However, most of these cases were for buying first-hand houses, and there was only one case for second-hand houses. (The "over-opening" in the example below is the fake part)

(1) I took out a loan in November 2018. Before the loan, I communicated with the bank and contacted several banks. The bank said that as long as it is less than 15,000, there will be no turnover. , as long as you have proof of income, clearly explain to the bank that your turnover is insufficient, and issue a fake income certificate, the bank will tell you that as long as you can issue it, they will not check it, so your income will be increased by 2,000, and then you will give it to your parents completely. I made a fake income certificate. Currently, the commercial loan part of the bank has been approved, but the provident fund has not yet passed. (The other plan is to issue a complete income certificate of 14,800 yuan for a pure commercial loan. But in order to save money, I took the bold step. I replied, if the provident fund fails to pass the review, the bank said that it can be converted to a pure commercial loan). At present, the bank's pure commercial loan part has passed the review. The provident fund has received a text message of approval and is currently waiting for the loan. Many people in the owner group communicated with half-truths and half-false income certificates. Some people have passed the review and the loan was approved

(2) A friend took out a loan in August 2018 and the income certificate was 7 more. The combined loan is about 1,000 yuan. For the combination loan, you must first hand over your cards to the bank, and then proceed with the bank's approval. Currently, both pure commercial loans and provident fund loans from the bank have been approved.

(3) A relative took out a loan in December 2015. A student who had not graduated yet bought a second-hand house. He paid the intermediary and the intermediary helped with the process. He provided a completely fake income certificate and is currently repaying the loan.

(4) A relative took out a loan in 2008, working as a freelancer, with no proof of income or turnover, and a complete fraud. The loan has been repaid in advance.

So, I hope it will be helpful to Loulou.

4. Can I get a loan to buy a house without bank statements

Did the host get the loan?