The monthly repayment amount is calculated by loan amount, interest rate and loan term, and the average monthly flow is more than twice the monthly repayment amount.

Second, how to calculate the loan amount through the bank running bill?

Will banks or other lending institutions check the bank's running water when enterprises apply for loans? Why should they check the running water when applying for loans?

Account transactions in bank journals. The running water in the bank can prove a person's repayment ability to a certain extent. Speaking of banks, in addition to personal credit information, it is also very important to think about the large amount of personal current accounts, which shows that individuals applying for loans have relatively strong repayment ability.

Of course, banks lend money, not just to mortgage. Generally speaking, the daily bank statement is only an auxiliary proof. If an individual has a relatively stable job and income, or has collateral recognized by the bank as collateral to apply for mortgage loans, it will generally be easier to obtain loans.

The above is the reason for checking the running account. It should be reminded that due to different domestic banks, the fees charged by foreign banks are more expensive, but it is also applicable for domestic banks to print 1 line for free, and the fees for bank daily accounts within 1 year are exempted. /kloc-banks over 0/year old are different.

Third, commercial loans to buy a house, the bank flow must be twice the monthly supply?

Yes, this is a hard requirement. We should understand this matter from the perspective of risk control. Your monthly income is 5000 yuan. If the monthly payment is as high as 4000 yuan, then you only have 1000 yuan. How can you meet the monthly expenses? Therefore, the income is more than twice the monthly payment, which is mandatory for all banks.

Of course, the main body can increase the down payment, reduce the loan, or extend the repayment period. There is no better way.

Fourth, the monthly salary must be more than twice the amount of bank mortgage. Is that so?

You can ask the unit to copy the payroll with your name, stamp it with the official seal, and negotiate with the bank. The general bank should be able to!

I hope it helps you.