Applying for a loan requires the smooth operation of the bank. Don't pay more than half of your bank's monthly income. Cash is not counted, but bank flow is counted. Different banks require different printing time, some are three months, some are six months, and some are one year. Extended data:

Requirements for the running water bill of the mortgage: 1. The running water of the bank cannot be less than twice the monthly payment. For example, the customer intends to apply for a mortgage of 600,000 yuan, which will be repaid in 20 years with a monthly repayment principal of 2,500 yuan. In this regard, customers need to provide tap water with a monthly income of not less than 5,000 yuan. Secondly, it must provide running water for at least six months. It is useless to provide only running water for nearly a month or two, and it cannot fully reflect the economic income of customers. Also, it is best to provide an effective running water, which says "salary". If it is created by customers themselves, it may be regarded as invalid, especially the kind that is put in and taken out immediately, which does not fully prove that customers have sufficient repayment ability, and many banks do not recognize it. If the customer's own tap water is insufficient, married people can also choose to provide tap water for their spouses, and unmarried people can ask their parents to apply together. If you have certain assets under your name, you can also provide more financial certificates such as large deposit certificates and car driving licenses as a supplement. The application condition of housing loan is 1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house where your residence is located or where you live now. 2. The age must be 18 years old. 3. The applicant must have a compliant job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time. 4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank. The applicant's credit should be good. Housing loan application materials 1. Applicants should prepare their own identity documents, that is, valid identity documents; 2. Prepare your own residence certificate, such as household registration book or valid residence certificate; 3. Prepare your work certificate and income certificate; 4. Prepare your own House Sales Contract and related documents; 5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate.

Second, how much is the flow of banks in housing mortgage loans?

When applying for a mortgage, the bank requires you to provide bank running water, mainly because you can judge whether you have stable income and repayment ability through bank running water.

Different banks may have a gap more or less, but in the general direction, it is nothing more than the bank with persistently high monthly income. Therefore, in the bank flow, it is best to have a relatively stable entrance at a fixed time every month.

Of course, if one account does not meet the requirements, multiple accounts can be provided. In addition, if you are married and your own running water can't meet the requirements, you can also provide the other half of effective bank running water, as long as you add them together. The total income that a family or individual must reflect in the running water of the bank is more than twice that of the mortgage.

For the working class, the bank will mainly look at your salary flow, monthly account balance and daily average account balance. For small and medium-sized business owners and self-employed owners, the bank will mainly check the borrower's entry-exit account, time deposit balance and so on.

With this information, you can calculate your disposable funds for one month according to the bank's own model and see if you can repay on time.

Problems needing attention in expanding information to bank processes

1) Personal housing mortgage and mortgage loan go to the bank. Generally, banks will run water according to customers' requirements, but ICBC will only charge for running water for more than three months 10 yuan. Postal running water is not stamped, reminding everyone that banks must stamp the running water list;

2) Banks only look at income and balance, not expenditure;

3) It is generally believed that the greater the bank's flow, the better. Actually, it is not. Because the bank wants proof that the monthly customers have a fixed source of income at a fixed time, the bank thinks that it is not a high-quality customer to deposit 2-3 certificates of deposit a year, but a possible source of repayment, not a fixed source.

4) Banks generally don't require customers to make a payroll slip, but we must make this slip to prove the source of repayment of stable income every month. Of course, there are other asset certificates, such as car driving license, time deposit certificate, house lease certificate, etc. It can prove that we have enough repayment ability.

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Third, how many banks need to borrow money to buy a car?

The running water used for loans mainly depends on the repayment ability. . . The amount of running water is generally more than 2.5 times the repayment amount. Interest settlement should be accurate and professional.