Housing loan flow is determined according to the repayment period and loan amount of the lender. Generally speaking, the bank's running water is more than twice the monthly supply.

First, housing mortgage loans need to provide bank flow for nearly half a year.

2. Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. Ordinary office workers are personal running water, while small and medium-sized business owners and self-employed individuals are public running water.

Three, the requirements of the mortgage bank flow:

1. For the working class, the bank will mainly look at the salary flow, monthly account balance and daily average account balance.

2. For small and medium-sized business owners and self-employed, the bank will mainly check the borrower's entry-exit account and time deposit balance.

3. The requirements in the bank flow can reflect that there is a relatively stable entry at a fixed time every month; At the same time, the monthly income needs of families reflected in the running water of banks are more than twice that of monthly payments.

How much water does the mortgage need?

When buying a house with a loan, if the customer has a bank flow and the flow is sufficient (not less than twice the monthly mortgage repayment), then the customer only needs to print out the bank flow sheet for nearly six months and give it to the bank (office workers can directly provide the income and expenditure details of the salary card).

However, if customers don't have enough bank running water for the time being, they can take the method of self-storage running water. That is to say, deposit a sum of money into a bank card at a fixed time every month in the name of an individual, preferably a card issued by a bank interested in applying for a mortgage.

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

First, how to play the bank running water?

1. After confirming the bank where the passbook belongs, bring your ID card and bank card to the nearest bank outlet, and the staff will print it for you.

2. You can also bring your own card or passbook to the self-service inquiry machine at the business outlets to print it yourself. Self-service printing process:

Self-service inquiry machine-insert card or passbook-enter password-enter inquiry details page-historical details-enter required date for inquiry and printing-inquiry and printing.

In addition, you can also query the bank flow in the following ways:

1. For users who have already started online banking, you can log in to online banking for inquiry.

2. For customers who have already started mobile online banking, they can also log in to the mobile terminal for inquiry.

Matters needing attention

If you need to prove the details of the bill, please apply for printing and make the printing cabinet round.

Seal the bank.

Don't throw away the bank memo after printing it to prevent personal (enterprise) account information from leaking.

Second, the role of bank liquidity.

Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

Bank flow query method

First of all, go to the bank counter and take my ID card and bank card to the nearby bank outlets. Or online banking inquiry, as long as online banking is enabled, personal bills can be inquired through online banking.

In addition, the self-service inquiry machine can also inquire. Users can bring their bank cards and ID cards to the self-service inquiry machine of the offline network of the bank and make inquiries according to the steps.

You can also check through mobile banking. Users only need to open the online banking to download the bank APP, and after logging in, they can query the bank flow details.

China Bank's mortgage approval requires proof of assets. How much proof of assets is needed for a monthly payment of 4000 yuan?

Generally, the income certificate issued is more than twice the monthly payment, which is about 8000 yuan.

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Please note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years;

5. Customers blacklisted in the credit information system cannot apply for loans;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.