How do loan bank income calculations

Each bank has different loan standards. Generally speaking, bank turnover must be at least twice the repayment amount, assuming monthly income The turnover is 10,000 yuan, so the maximum monthly repayment amount can only be 5,000 yuan.

What we usually say about loans depends on turnover. Bank turnover refers to the money deposited in the bank in a month, or it would be better if you punch in your salary. Bank turnover only looks at the income, not the outgoings. Of course, if It does not count if you are in and out, you must stay overnight at least, and it is best to have a deposit record for three consecutive months to half a year, and not less than 3,000 a month.

First of all, the bank statement is also called the bank card deposit and withdrawal transaction statement, which is a list of the deposit and withdrawal business transactions of the applicant's bank account within a period of time (usually the past 6 months). Including salary, card deposit, existing, transfer, payment, card withdrawal, transfer and other aspects. If you are buying a house with a loan, the bank will focus on the borrower's repayment ability. Generally, the borrower's monthly income is required to be more than 2.2 times the monthly payment. In addition to meeting the requirements, the income certificate must also be shown on the bank statement. corresponding manifestation. However, banks mainly focus on the amount of deposits, especially the salary part of the bank's flow, as well as existing and transferred cash flows.

1. It is invalid to transfer money back and forth between bank cards in your own name. For example, if you transfer 30,000 yuan from China Construction Bank to China Merchants Bank, this transfer and income will be invalid.

2. Salary flow. Fixed income within a fixed period of time each month is valid if there is the word "salary" on the note.

3. The more money in the bank card, the better, income > expenditure, and there will be savings throughout the year. It is best not to withdraw the money deposited into the bank immediately. Deposits and withdrawals in lump sum are not counted as turnover and are regarded as invalid turnover in the eyes of most banks.

The above is the relevant content on how to check whether the bank flow is sufficient for a loan. In short, there is a fixed monthly income, the higher the better, and the longer the duration the better.

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Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards). According to the nature of the account, it is divided into personal flow and corporate flow. Bank statement is a document that proves the income of an individual or company, and is a necessary document to apply for a loan from the bank. To put it simply, everyone basically has a bank card or passbook, and the deposit and withdrawal transaction records of the current account in the card's name. When applying for a loan, you need to print the bank transaction records for the last six months or one year, which are divided into personal transactions and corporate transactions according to the nature of the account.

1. It is not possible to print across banks. For example, China Construction Bank Card cannot be printed at China Merchants Bank. According to the bank to which your bank card belongs, go to the bank to print the transaction records, and remember to ask for a stamp.

2. Self-service printing. Many banks now have self-service machines that can print credit reports or bank statements and other materials without queuing up to print.

How much bank statement is required for a housing mortgage loan?

1. To apply for a housing mortgage loan, you need to provide bank statements for the past six months.

2. Bank flow refers to: deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards). According to the nature of the account, it is divided into personal transaction and corporate transaction. Ordinary office workers have personal accounts, while small and medium-sized business owners and self-employed individuals have corporate accounts.

3. Mortgage bank flow requirements:

1. For working-class people, banks will mainly look at salary flow, monthly account balance and the average daily balance of the account.

2. For small and medium-sized enterprise owners, self-employed owners, etc., banks will mainly check the borrower's incoming and outgoing accounts, fixed deposit balance, etc.

3. The bank statement must reflect relatively stable deposits at a fixed time each month; at the same time, the monthly household income reflected in the bank statement must be more than twice the monthly mortgage payment.

Extended information:

Application requirements

1. Have permanent urban residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule;

3. Have self-raised funds of more than 20% of the total price of the house purchased, and guarantee that it will be used to pay the down payment of the house purchased;

4. Have assets recognized by the bank as mortgage or pledge, or a unit or individual with sufficient repayment capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.