Loaning to buy a house without running water in the bank can be solved in the following ways.
1, your own bank has insufficient running water, so you can provide running water for both husband and wife, and you can apply for a loan if you meet the conditions.
2, provident fund deposit certificate or personal tax payment certificate can replace the bank running water.
3. Deposit a large sum of money in the bank card at one time, and provide proof of your income at the same time, which can prove your repayment ability, which is a more favorable proof for applying for a mortgage.
4. Provide other large property certificates to the bank, such as other properties, cars and the like, and also provide your fund or insurance policy.
Why do you want to provide bank running water as collateral?
Although both the income certificate and the bank's running water can reflect the lender's repayment ability, the income certificate can only play an auxiliary role and cannot truly reflect the cardholder's real monthly income. The income certificate can be forged.
Through the bank's running water, the bank analyzes and judges the lender's repayment ability from the fixed income and other income and expenditure in its bank card every month, which is also the main reason why the bank will ask the lender to provide the bank card under the personal name for 3~6 months as the basis.
What if there is no running water in the bank mortgage?
Bank mortgage must have the running water of the bank, because the running water of the bank directly reflects the borrower's repayment ability. Therefore, if there is no running water, you can either save your own running water, or the husband and wife can provide each other with running water, or you can apply for a mortgage loan or provide valid documents according to the needs of the bank without running water.
1, mortgage loan.
If there are mortgaged items in the loan name, such as real estate, cars, precious metals, etc. , you can apply for mortgage loans from non-bank financial institutions. Many financial institutions will discount the collateral according to your actual situation and then lend.
2. Self-sufficient tap water
If the salary is paid in cash, the salary should be deposited in the bank within a few days of payment, but it must be deposited on a relatively fixed date, without too much time difference, and it should be preserved for a long time. In addition to providing self-storage tap water, you can also provide the company's financial certificate, and you can also provide proof of payment of social security provident fund, if it has been paid.
3. Provide running water for one spouse.
If the borrower is married and the other party has normal bank flow, it can also provide the other party's bank flow, and both parties can apply for a loan for the borrower.
4. Provide valid certificates
There are many customers who do their own small businesses and don't usually run banks. It doesn't matter. At present, many small lending institutions have launched "boss loans" for doing business. Whether the borrower can provide relevant business vouchers, such as purchase and sale contracts, bookkeeping books, documents, poss machine sheets, purchase orders, delivery notes, etc. They can also get loans.
5, with provident fund deposit certificate or personal tax payment certificate instead of bank running water.
Personal tax payment certificate and social security certificate can be used instead of bank running water, provided that the payment is made at the same fixed time every month to prove that the borrower has a stable and fixed income. At the same time, not all banks can do this, so we should consult banks more.
How to solve the problem of insufficient loans?
Solutions to insufficient loan flow:
1. Use the running water of husband and wife
When the borrower's loan flow is insufficient, the husband and wife bank flow can be used, and the general bank will relax the conditions. As long as the sum of the bank flows of both husband and wife meets the requirements, the bank will lend money.
2. Provide proof of assets
Asset certification is also an important reference for loan review. If the borrower can provide proof of limited assets, it will help to improve the loan amount and pass rate. For example, provide property certificates, vehicle certificates, deposits, insurance policies, etc.
3. Provide proof of guarantee
Borrowers can provide proof of guarantee in the case of insufficient running water, such as using other properties under their own names as guarantees, but this method may not be applicable to all banks.
Extended data:
How to qualify the loan running account;
As we all know, when banks and lending institutions apply for loans, they usually ask borrowers to provide running bills to evaluate their economic life and income level. To provide a qualified loan journal, you need to do the following:
1. To provide the latest running bill, it is best to provide it within the past six months. The running account of a few years ago has no reference value and is not very helpful for loan approval.
It's best not to enter and exit the journal immediately, but to deposit it now, that is, to take it out soon after it is deposited in the bank account. Because of this running account, banks and lending institutions will know that customers "do" it themselves.
3. Don't have too few running bills. If the running water provided by the borrower is mostly small, such as tens or hundreds of dollars, it will not reflect the borrower's repayment ability. On the contrary, it may make banks and lending institutions suspect that they are unable to repay loans, resulting in loan rejection.
If the borrower cannot provide qualified running bills, he can provide social security payment certificate, provident fund deposit certificate and tax payment certificate as supplements, and those who have the ability can also provide more information on assets and financial resources.
What is a loan like for a bank?
When a customer goes to a bank to apply for a loan, the bank will generally ask the customer to provide running water. Banks mainly look at the amount of deposits and withdrawals, as well as the monthly income law, transaction transfer details and so on. In order to understand the income and expenditure of customers, so as to evaluate whether the economic life of customers is stable and whether the repayment ability is sufficient. The bank flow provided by customers is naturally that the more deposits, the better. The more deposits, the higher the income.
What banks "favor" most is the flow of paid words, because the flow of paid words is generally the salary income after deducting social security and provident fund, which can accurately reflect the actual income of customers. However, if it is self-deposited, or it is immediately in and out, it cannot fully prove the customer's repayment ability, and the bank generally does not recognize it.
It should be noted that the liquidity of banks is generally more than twice that of liabilities. Also, running water is only one of the proofs to prove the customer's economic and financial resources. If the running water is not enough, you can actually provide other asset certificates, such as large deposit certificates, car driving licenses, real estate licenses and so on.
Without running water, how can banks borrow money to buy a house?
First of all, answer directly.
Just graduated, the bank has no running water. If you want to borrow money to buy a house at this time, I suggest that you can provide social security/provident fund deposit certificate and tax payment certificate instead when applying, even if the payroll is not long.
Second, the specific analysis
In addition, you can also find a person with good credit to guarantee your mortgage.
If the personal economic level is really not good (banks generally stipulate that the economic income can not be less than twice the monthly payment), you can also apply with your parents.
In this way, if your running water is not enough, you can have your parents' running water to supplement it.
And if I have extra asset income, I can provide relevant information to improve it, such as large deposit certificates, car driving licenses and so on.
Also, if the mortgage approval is easy to pass, you can try to raise more funds to raise the down payment and reduce the loan amount.
At the same time, it is suggested to do what you can, choose a house that meets your own economic conditions, and don't choose a house with too high a price, so as not to afford it.
Too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check your big data in Xiaoqi Credit Information to provide accurate information for debtors, people who apply for too many online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.
Third, can I borrow money to buy a house if the micro-loan has not been repaid?
The small loan has not been paid back. As long as there is no bad credit record in the credit report, users can apply for a mortgage normally.
Micro-loan itself belongs to a single loan with a limit of 40,000, so unless the user applies for a multi-limit loan, it will not affect the personal debt ratio, and the personal debt ratio will not be affected, and naturally it will not affect the mortgage.
Of course, during the mortgage application, the user's micro-loan needs to be repaid on time. If you don't repay the loan on time, the overdue records will affect your personal credit information, and poor credit information will lead to the failure of mortgage review.