Second, provide proof of deposit. If a person doesn't have enough running water, even the bank running water of both husband and wife doesn't add up to 8800 yuan. At this time, everyone can provide their own proof of assets to the bank. We should know that the actual housing loan is a mortgage loan. The so-called salary, including the running water reference factor, is actually not big, because you can't afford the bank to auction your house directly. So your salary and running water only depend on your repayment ability in the future.
For example, if you provide a large deposit certificate, and you have 200,000 or 300,000 bank deposits in the bank, I believe the bank can also approve it for you. In addition, even if you don't have such a large deposit, if you have a good credit and never overdue, you may deposit 50,000 yuan or 654.38+10,000 yuan in the bank at this time, and maybe the bank will approve it for you.
Third, increase the down payment ratio and reduce the loan amount. If you want to buy this apartment because your bank has insufficient running water and no deposits, there is another way to reduce the loan amount and increase the down payment ratio, such as reducing the mortgage loan from 800,000 to 500,000. As for how many mortgage loans to apply for in the end, you can choose according to your own bank flow.
But if you choose this method, your down payment will increase. If you have enough money to increase the down payment, of course it is best. If you are not enough, you can borrow money from your relatives and friends. If it can't be achieved by various means, there is no way. Everyone can only work hard to make money, then increase the flow of banks and try to apply again after half a year.