For married people, if the bank flow of one party does not meet the requirements, the bank flow of both husband and wife can be provided, and as long as both husband and wife meet the requirements, they can also apply for loans.

Second, one-time large deposits.

You can deposit a large sum of money in the bank card at one time, provide economic proof and prove your repayment ability. You can also provide other large property certificates to the bank, such as other real estate, cars, etc. You can also provide your fund or policy notes, which is also possible.

Third, provide proof of guarantee.

Some banks allow borrowers to provide valid guarantee certificates. For example, the house is in the wife's name, but the wife doesn't have enough running water. The husband provides a guarantee statement that he is willing to take full responsibility if the wife can't repay the loan in time. 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.

Fourth, replace it with 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, provided that they pay at the same fixed time every month, so as to prove that borrowers have stable and fixed income. But not all banks can do this, and more banks should be consulted.

Fifth, increase the down payment ratio.

If the bank can't meet its requirements and can't provide other certificates, it seems that the lender can only increase the down payment ratio and reduce the loan amount to its repayment ability, so that the bank can accept it more.

Can fake banks get loans?

First, fake running water is easy to be seen through.

Even if the fake bank flow is confused with the real one, it is still fake. In the loan audit department, there will be someone who will specifically review the information. In their eyes, it is obvious that it is more difficult for fake flow to escape the eyes of the staff than to ascend to heaven. So under normal circumstances, it is impossible to rely on fake bank loans.

Second, the loan will also be recovered.

Some people take advantage of the loopholes in financial institutions to get loans by virtue of fake bank flow, but loans are still managed after lending. Once found, it will be recovered and paid liquidated damages, or the bank will sue the court for "fraudulent loans".