The guarantor certificate for a home loan should include the name of the guarantor, the guarantor’s ID number, the name of the guarantor, the guarantor’s signature and the date of signing. Among them, it needs to be written clearly that the guarantor voluntarily provides guarantee for the bank mortgage loan for the housing loan until the loan is paid off. In addition, I would like to remind everyone that becoming a guarantor means assuming certain responsibilities, so you must consider it carefully before signing.

Five options to solve the problem of insufficient bank liquidity

1. Deposit a large amount of funds at one time or provide proof of income

Deposit a certain amount of funds at one time , at least 100,000-200,000, or even more, to prove that you have the ability to repay. In addition, if the monthly income is more than double the previous monthly payment, you can show proof of income to the bank and you can also be approved for a mortgage. Home buyers who use this method usually change jobs soon and are unable to provide the bank with current statements within the past six months to one year. As long as you prove your ability to repay, that's it.

2. Provide a valid guarantee certificate

If the home buyer already has a property in his name and does not have a loan, and the current bills are not enough, some banks will let the home buyer get the first home. Make a guarantee and provide proof of income. After that, the bank will most likely lend to the home buyer after comprehensive consideration. However, this method is not practical for every bank, and some banks do not support such guarantee certificates.

3. Use personal tax certificates and social security certificates instead of bank statements

If the home buyer has a stable job and a fixed income, and at the same time pays personal tax, social security and provident fund at a fixed time, even if Without bank flow, banks will lend. It should be noted that the three types of certificates you pay must be paid at the same fixed time every month. Moreover, specific banks require specific consultation, and then when applying for a loan from a bank that can use this method, you can apply to the bank with your personal payment certificate, social insurance certificate, and provident fund payment certificate.

4. Use the current flow loan of the couple

The bank’s requirement for the current flow is not less than twice the monthly payment of the home loan. For a family, the bank will relax the conditions. As long as the total bank accounts of the couple meet the requirements, the bank will lend. For example, if a home buyer's monthly salary is 8,000 yuan, his spouse's salary is more than 2,000 yuan, and the monthly loan payment is 5,000 yuan, this situation generally meets the bank's requirements and can also obtain loan approval.

5. Increase the down payment ratio

If the down payment is too much, the corresponding monthly loan will be smaller. Home buyers can calculate by themselves how much down payment they need to get a loan amount that is consistent with their bank statements. However, this method often makes home buyers with relatively poor financial capabilities have a very difficult time in the early stages of home purchase. It can be said that it is a helpless choice after the above methods cannot be used. It is for reference only.