If you are married and can't get a loan, you can use the income certificate and identity of the other husband and wife as a borrower to apply for a loan from the bank, which can not only greatly reduce the personal requirements of the bank, but also effectively improve the success rate of your loan.

2. Provide proof of large amount of property

Other large property certificates can be attached to the bank, such as real estate, cars, funds, large insurance policies and so on. Prove your repayment ability.

3. Parents are added as * * * borrowers.

If you add your parents as co-borrower, you can easily get a loan. 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 cards, household registration books, marriage certificates or single certificates, parents' marriage certificates, parents' bank accounts and other materials to 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, the maximum loan period of individual banks can be relaxed to 65 years old.

4. Instead, tax and social security.

Some banks can also use personal tax payment certificate, social security certificate or provident fund payment certificate instead of bank running water. The premise is to repay the loan at the same fixed time every month, which proves that the borrower has a stable income. But not all banks can do this, and more banks should be consulted.

5. Increase the down payment ratio

If the borrower's bank flow does not meet the requirements and can't provide the guarantee certificate, he can only increase the down payment ratio and reduce the loan amount to his repayment ability. However, it is still necessary to remind buyers that due to the differences between local and bank policies, borrowers should consult local loan banks in advance, understand the loan policies in time, and choose appropriate solutions according to their actual conditions.

Why should the mortgage flow?

When handling a mortgage, the bank requires the customer to provide running water, because the bank needs to evaluate the customer's own economic income level according to the running water provided by the customer and confirm whether it has the ability to repay the loan principal and interest on time, so as to safely approve the loan funds. Moreover, it should be noted that the tap water provided should meet the following requirements:

1. A running list of at least six months must be provided. If you only provide a running account for two or three months, your personal income cannot be fully reflected.

2. It is best to have a running water with the word "salary". If it is a self-storage flow, it cannot be a type of immediate storage and retrieval, otherwise it will be regarded as an invalid flow.

3. The running water must be balanced, and the monthly income should not be less than twice the monthly mortgage repayment (for example, if you plan to apply for a mortgage of 600,000 yuan and choose to borrow for 20 years, the principal to be repaid every month is 2,500 yuan, and the customer should provide running water with a monthly income of not less than 5,000 yuan).

4. It must be the running water in the bank card under the personal name, preferably the mortgage handling bank, and cannot provide the card running water under the name of irrelevant personnel. If you apply for a mortgage with your spouse and parents, you can also provide running water for your spouse and parents.