If there is no bank running water when buying a house, you can do the following: 1, and apply for a housing loan with another bank. Not every bank needs to provide bank running water (not mandatory); 2. Or try to provide other proof of your property: such as other houses, cars or securities as supplementary proof of repayment ability; 3. Provide the company's salary certificate or personal tax bill; 4. It can actually explain the income situation. If you have credit business with financial institutions and can repay in full and on time according to the regulations, generally speaking, from the banker's point of view, you can be regarded as a person with good credit and can give preferential treatment under the same conditions. In fact, the purpose of providing personal bank account running water is to examine whether you have a stable income and whether you have the ability to repay the bank's debts. Generally speaking, for the working class, the bank will mainly look at your salary flow, monthly account balance and daily average account balance. Through this information, we can calculate your disposable funds after deducting basic living expenses and other necessary expenses for one month according to the bank's own model, and check whether you can repay on time. The above is the answer that there is no bank running water in buying a house.

Legal objectivity:

Article 17 of the General Principles of Loans: When applying for a loan, the borrower shall meet the following basic conditions: the product has a market, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed; 1. The borrower can repay the loan principal and interest on schedule, and the original loan interest payable and the loan due have all been paid off; If there is no repayment, a repayment plan approved by the lender has been made; Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened; Four, unless otherwise stipulated in the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; V. The borrower's asset-liability ratio meets the requirements of the lender; Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.