If you apply for a loan through our bank, I suggest you contact the loan handling bank directly to further understand the requirements of running water.

Second, how to borrow money when the bank has insufficient running water?

In fact, it can be solved by the following methods:

1, increase * * * Lender For married people, if the bank flow is not enough, they can provide common bank flow for both husband and wife, as long as they meet the requirements.

2. One-time large deposit You can deposit a large deposit in a bank card at one time and provide financial proof to prove your repayment ability. You can also attach other large property certificates to the bank, such as real estate, cars, funds, large insurance policies and so on.

3. Provide proof of guarantee Some banks allow borrowers to provide valid proof of guarantee. For example, the house is in the wife's name, but the wife has insufficient water. The husband provides a guarantee statement that if the wife fails to repay the loan in time, she is willing to take full responsibility. Coupled with the income certificates issued by both units, if they can prove that their overall repayment ability meets the requirements, they will also lend, but because of the different policies of banks, not all banks are applicable.

4. Replace some banks with individual taxes and social security. You can also use personal tax payment certificate, social security certificate or provident fund payment certificate instead of bank running water, provided that you pay at the same fixed time every month, so as to prove that the borrower has a stable and fixed income. But not all banks can do this, and more banks should be consulted.

5, do your own running water Many people don't know that bank running water is actually calculated! So you often transfer money and money to the bank card that is ready to print the running water. Day trading sometimes has an uncertain amount. You can transfer money to each other through bank cards, ATMs, counters, mobile apps, Alipay and WeChat, and soon your bank will run out of water. Generally speaking, if you trade five or six times a day, with thousands or tens of thousands of transactions each time, your bank will soon meet the requirements. Of course, time is the most lacking at this time, so it is best to start doing it in the process of looking at the house.

6. It goes without saying that the down payment ratio should be increased. A little more down payment may be enough for your bank.

3. What if there is not enough running water to go to the bank for a loan?

Looking for private loans

Fourth, the loan notice: what should I do if the bank is not liquid enough when lending?

When a property buyer applies for a loan to buy a house, the bank will ask the applicant to issue a bank statement to review the repayment ability of the property buyer. If the bank doesn't have enough liquidity, it is difficult for buyers to borrow the required amount. Then, what should I do if the bank is short of water when I borrow money? I believe this article can help you.

When a property buyer applies for a loan to buy a house, the bank will ask the applicant to issue a bank statement to review the repayment ability of the property buyer. If the bank doesn't have enough liquidity, it is difficult for buyers to borrow the required amount. Then, what should I do if the bank is short of water when I borrow money? I believe this article can help you.

1. What kinds of personal bank flow include?

1, wages are flowing.

As the most stable personal income, the lender's salary is also the most important part of the bank's running water. Wage flow is a personal income certificate fully recognized by the bank, which reflects the stability and safety of my work.

2. Transfer flow

For some freelancers or workers, their wages are usually obtained by transfer. Therefore, if your salary is transferred through the counter, online or online banking, it needs to be transferred at a fixed time and a fixed amount, and the bank will recognize it.

3. Self-sufficient tap water

The so-called self-help running water refers to the running water deposited by cash or my bank card transfer, which belongs to effective running water.

2. What should I do if the bank has insufficient running water during the loan period?

1, self-made bank flow

If the lender's salary is paid in cash, there is no fixed bank flow. At this time, everyone can make their bank run smoothly. Fixed funds can be deposited in the same bank card on a fixed day every month. If it persists for 3-6 months for a long time, the printed self-storage water can also be recognized by most banks, which is suitable for groups with plans to buy a house.

2. Parents are added as * * * borrowers.

The steps of this method are relatively simple. Lenders only need to go to the bank with their parents at the same time and show their ID card, household registration book, lender's marriage certificate, parents' marriage certificate, parents' bank account and other materials, so they can easily add their parents as * * * co-borrower. However, it should be noted that if the parents are too old, the loan period is limited or the bank does not issue loans. Generally speaking, over 60 years old, you can't apply for a bank loan; However, some banks can relax to 65 years old.

3. Irregular access

Lenders can remit the available amount to the same card for irregular deposit and withdrawal. This method is mainly suitable for those self-employed operators whose funds are relatively dispersed. If they withdraw some cash from the card irregularly every month and continue to operate for several months, they will leave traces under the running water of the bank, so that they can win money from lending institutions on the grounds of hidden income every month. However, it should be noted that rigorous banks are usually not recognized, and only some non-bank lending institutions such as loan companies can accept it.

4. Provide proof of guarantee

At present, the most commonly used mortgage loan is house mortgage loan, but the borrower who applies for this kind of loan needs to provide real estate license, valid identity certificate of himself and his spouse, marriage certificate, work income certificate, real estate appraisal report, written certificate of consent to mortgage issued by (the person who has the right to dispose of the mortgaged property and other obligees) and other loan materials required by the lending institution. The specific operation mode can be consulted with the loan bank.

Step 5 increase the down payment

Raising the down payment can be said to be the last resort. If the bank can't meet the requirements and can't provide other property certificates, it can only increase the down payment ratio and reduce the loan amount to its repayment ability.