First, deposit a certain amount of cash at one time.
Banks generally accept a one-time deposit of a certain amount of cash and provide their own income certificates. In addition, you can also provide other large fixed property certificates to the bank, such as houses and cars, and you can also provide contracts or documents for purchased wealth management products.
Second, increase the amount with the lender.
If the married person's running water is not enough to apply for the loan of the target amount, the number of lenders can be increased. Both husband and wife can apply for a loan as long as the bank flow meets the requirements of the bank.
Third, the provident fund deposit certificate or tax payment certificate instead.
Individual tax and social security certificate can also replace bank flow, which is an important condition to prove income level. Note, however, that it is best to keep the deduction time stable, which can prove that the applicant has a relatively stable and fixed income. However, this method requires consulting banks, and not all banks accept this method.
Fourth, provide proof of guarantee.
Some banks allow borrowers to provide valid guarantee certificates and income certificates issued by their units. If it can be proved that the comprehensive repayment ability meets the loan requirements, the bank will also lend money. However, due to different banking policies, specific banks should also consult in this way.
Fifth, increase the down payment.
This is the last method. If the bank can't meet the requirements and can't provide other certificates, it can only increase the down payment ratio and reduce the loan amount to its repayment ability.
However, it is also necessary to remind you that due to the differences in banking policies in different places, it is most important to consult banks, and choose the most appropriate way according to the requirements of banks.
(The above answers were published on 20 16-07-27. Please refer to the actual situation for the current purchase policy. )
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