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It is very common to apply for mortgage loan now, and borrowers need to provide running bills in recent months to prove their financial ability. However, because many people like WeChat transfer now, it is fast and convenient, so the bank has no running water. So, is the mortgage WeChat bill running water? What should I pay attention to when applying for a mortgage? Let's have a brief understanding with Bian Xiao.

1. Is the mortgage WeChat bill running?

Wechat bills are not running water. The running bill for applying for mortgage loan must be a breakdown of the expenditure and income of the amount in the bank card and stamped with the official seal of the bank. Although the WeChat bill enters and exits the account, it cannot obtain the seal of the bank, so the general bank does not recognize it.

Second, what should I pay attention to when applying for a mortgage?

1. Pay attention to the loan term.

According to experts from Qijia. Com, the most common time limit for applying for a mortgage loan is 30 years, but not all borrowers can apply for a 30-year loan repayment period, because according to the regulations, the time limit for applying for a loan and the borrower's age cannot exceed the statutory retirement age, so if the applicant is 45 years old, he cannot get a 30-year loan period.

2. Pay attention to the correct use of provident fund.

At present, many employees have paid the provident fund, and borrowers who apply for provident fund loans can enjoy preferential policies stipulated by the state. The minimum down payment for the first suite of commercial loans is generally 30%, while the minimum down payment for the first suite of provident fund loans is only 20%, and the interest rate rises by 1. 1 times, so it must be used when buying a house.

3. Pay attention to having a stable job.

Although the application for loans is becoming more and more strict, the borrower's work certificate is always necessary, because it is favorable evidence to prove whether the borrower has a stable economic source and repayment ability. Therefore, if you don't have a stable job, the probability of successfully applying for a loan is very low, but you should also be careful not to cheat, otherwise the loan will be rejected directly.

Editor's summary: The above is about whether the mortgage WeChat bill is flowing, and what matters should be paid attention to when applying for a mortgage. I hope it helps you. If you want to know more, please follow Qijia. com。

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Can wechat running details be used as mortgage documents?

Wechat running details cannot be used as mortgage documents. When applying for a loan to buy a house, you need to print a bank running bill to prove your repayment ability. Wechat run list is not a formal run list, and the bank does not recognize it.

The main forms of bank flow investment are card deposit, survival, transfer, salary, renewal fee, online banking transfer, payment for goods, service fee, etc.

The contents of the journal include:

Personal flow: personal transaction details, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. Within six months.

Wage flow: individuals work in local companies, and companies are obliged to pay personal income tax for employees. The monthly salary is paid by the bank, which pays personal income tax, including consumption, deposit and withdrawal, transfer, online banking and telephone recharge.

Personal flow: personal transaction details, consumption, account entry and exit, transfer, online banking, telephone recharge, etc. Within half a year, this is reflected in personal business flow.

Personal flow in different places: details of personal transactions in different places, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. within six months. ; Non-wealth management gold card users need to deduct handling fees for transfer and cash withdrawal in different places.

All of the above can be used as collateral.

Extended data

Housing loan application information

1. Borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorced need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Reference source? Baidu Encyclopedia-Bank Running Bill

Reference source Baidu Encyclopedia-Mortgage

Can wechat water be mortgaged?

Wechat running water cannot be used as mortgage voucher, only bank card running water can be used as mortgage voucher. The bank running water is stamped with the announcement seal, which proves that the bank running water is true and effective and has legal effect. Wechat Liushui cannot be stamped with the official seal, and the bank does not recognize it.

Conditions for handling individual housing loans:

1. A natural person who has reached the age of 18 and has full capacity for civil conduct.

2. Having a valid household registration certificate or a valid residence certificate.

Three, with valid proof of identity and marital status (marriage certificate, divorce certificate), if the user is single, it should provide proof of unmarried.

4. Have a good credit record and willingness to repay.

Five, with the sale of commercial housing (pre-sale) contract or purchase letter of intent, or with the purchase of second-hand housing sales contract.

Six, have the ability to repay the loan principal and interest in full and on time.

Seven, have the ability to pay the down payment of the purchased house.

8. Be able to provide guarantee methods and contracts recognized by the lending bank.

Nine, in line with other provisions of the loan bank.

Users are required to provide the bank with bank card serial number, original and photocopy of ID card, marriage certificate, commercial housing sales (pre-sale) contract or letter of intent to purchase, personal credit report, bank card, financial certificate (if any), guarantee contract approved by the loan bank, etc.

Can mortgage be done on wechat?

The bank does not recognize WeChat as a mortgage application material. The process of bank approval mainly includes: the process of paying wages on behalf of the bank, the process of self-deposit in the bank and the process of transfer. The flow of paying wages is the most recognized flow of banks.

Transfer flow and self-storage flow are only recognized by some banks. Therefore, when applying for a mortgage loan, it is best to provide a stable wage flow, which is very helpful for the mortgage loan approval.

When tap water is insufficient, married people can supply tap water for both husband and wife, or use the deposit certificate of provident fund and personal tax payment certificate instead of bank tap water.