When buying a house loan, the bank flow generally needs to provide the bank flow for nearly 3-6 months or 1 year, which generally cannot be less than twice the monthly payment. But now banks have higher requirements for mortgage lenders, depending on the existing liabilities of the mortgagor. Therefore, sometimes in order to improve the loan approval rate, it is best for the running water under the bank's own name to cover more than twice the total household debt, and the running water provided needs to be uninterrupted and the income is stable.

Materials provided for handling loans:

1, loan application

2. The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife. If you are single, you need to provide a single certificate.

3. Submit personal professional income and family property status certificates, including work certificates, bank accounts, property certificates, vehicle driving licenses, etc. The more content, the better, which can prove that you have enough repayment ability.

4. Proof of fixed place, including the payment documents of water and electricity fees in the last three months.

5. Personal credit information.

Yoshiya real estate encyclopedia, buying a house needs more knowledge.