1, your own bank has insufficient running water, so you can provide running water for both husband and wife, and you can apply for a loan if you meet the conditions.
2, provident fund deposit certificate or personal tax payment certificate can replace the bank running water.
3. Deposit a large sum of money in the bank card at one time, and provide proof of your income at the same time, which can prove your repayment ability, which is a more favorable proof for applying for a mortgage.
4. Provide other large property certificates to the bank, such as other properties, cars and the like, and also provide your fund or insurance policy.
Why do you want to provide bank running water as collateral?
Although both the income certificate and the bank's running water can reflect the lender's repayment ability, the income certificate can only play an auxiliary role and cannot truly reflect the cardholder's real monthly income. The income certificate can be forged.
Through the bank's running water, the bank analyzes and judges the lender's repayment ability from the fixed income and other income and expenditure in its bank card every month, which is also the main reason why the bank will ask the lender to provide the bank card under the personal name for 3~6 months as the basis.