The daily bank statement in mortgage to buy a house refers to the details of the daily entry and exit bills of the borrower's bank card.
Bank flow is an important evidence for banks to judge customers' income. Generally speaking, personal banking flow includes transaction details, consumption in and out of accounts, transfer, online banking, telephone recharge and so on. If it is a salary card, it also includes monthly salary and personal income tax paid by the bank.
The daily withdrawal, credit card consumption, deposit and transfer of the lender will be reflected in the bank's running bill.
Banks can judge the daily consumption, income and expenditure of lenders by looking at their running bills.
Extended data:
If tap water is insufficient, it can be solved in the following ways:
1. For married people, if one partner's running water does not meet the requirements, they can provide running water for both husband and wife, and they can also apply for loans as long as their common running water meets the requirements.
2. Deposit a certain amount of funds into the card, and provide the income certificate of the unit at the same time, which proves that the lender's income is enough to repay the mortgage loan, and it can gain the trust of the bank and meet the loan conditions.
3. Use the provident fund deposit certificate or individual tax payment certificate to replace the bank flow, and some banks agree to use the "individual tax payment certificate, provident fund deposit certificate and personal social security certificate" to replace the bank flow.
4. Provide guarantees that meet the loan requirements. Some banks allow borrowers to provide valid proof of guarantee, plus proof of income issued by the unit. If they can prove that their overall repayment ability meets the requirements, they will also borrow money. However, due to different banking policies, it does not apply to all banks.
5. Increase the down payment and reduce the loan amount. If the borrower's bank flow does not meet the requirements and cannot provide proof, he can only increase the down payment ratio and reduce the loan amount according to his repayment ability.