The loan here needs bank flow, and the flow mainly depends on repayment ability. . . The amount of running water is generally more than 2.5 times the repayment amount. . It usually takes half a year! Accurate interest, special paper printing! ! !
Second, how to calculate the effective flow of banks?
Normal entry and exit items and large abnormal bills after deducting entry and exit items are the effective flow of enterprises or individuals. Getting effective bank flow is very simple, and there are two ways to deal with it:
1. For employees with stable jobs and incomes, the unit will pay wages by punching in every month. In this case, the borrower only needs to withdraw his monthly salary from the bank normally to form a bank flow;
2. For those who have a stable job and income, or those who have a stable income but are not punched out by the company, they need to deposit their monthly income in the bank first, and then take it out day by day when they are used. This can also form a bank flow. Need to be reminded that if you want to apply for a loan with bank running water, you generally need to have a bank running water that lasts for about half a year. If it's only one or two months, you can't apply for a bank account.
Third, how can loan banks be qualified?
Requirements for daily account of loan bank:
1. Under normal circumstances, the bank will ask the lender to provide the bank with running water for half a year or a year. Of course, different banks have different requirements.
2. Banks should have a steady stream of water and stable income. Of course, it would be better if the income is high.
For married people, the bank usually requires the income certificate of the applicant and his spouse and the bank's running account for the past six months. If one party is unemployed, as long as the other bank meets the requirements.
If you are single, your parents can apply for a loan as a partner in the case of insufficient bank flow.
Different banks may have different requirements. Generally speaking, banks with continuous monthly income and high income are the best. Therefore, it is best to reflect the stable entries at a fixed time every month in the bank flow. It is usually necessary to mention that the bank's running water is within half a year, because local banks are different from banks, and the bank's running water is within one year. Of course, banks that fail to meet this requirement may not be unable to apply for mortgages. If a bank card reflects low income, the borrower can provide several bank cards in his own name. In addition, try not to withdraw all the funds from the card at a fixed time every month, so that the bank will think that you have a fixed large expenditure, which will affect the evaluation of your repayment ability. The monthly income demand of families reflected by the running water of banks is more than twice that of monthly supply.
Borrowers can use their ID cards and bank cards to directly print the banking process of mortgage loans at banks. You can take your passbook to the self-service inquiry machine at the business outlet to print it yourself.
These are the requirements of bank running bills for housing loans. How to calculate the bank flow must meet all the above conditions. If the bank has other requirements for running water, it must also meet the loan success.
Let's see what the bank should do if there is not enough water:
1. Together with the lender.
For married people, if there is not enough tap water, they can provide the husband and wife tap water of the bank together, as long as they add up to meet the requirements.
2. One-time large deposit
You can deposit a large sum of money in the bank card at one time and provide financial proof to prove your repayment ability. You can also provide other large property certificates to the bank, such as funds, cars, real estate, large insurance policies, etc.
3. Provide proof of guarantee
In some banks, borrowers can provide valid proof of guarantee, for example, the house is in the wife's name, but the wife doesn't have enough running water, and the husband can provide guarantee for it. Coupled with the income certificates issued by both parties, if they can prove that their overall repayment ability meets the requirements, they will lend, but not all banks are applicable.
4. Replace it with taxes 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, which proves that borrowers have stable and fixed income. However, not all bankers can do this. More banks should be consulted.
Step 5 make your own tap water
Many people don't know that the running water of the bank is actually going in and out! So you often transfer money to the card, the bank, where you have to print the running water. Transfer money from time to time during intraday trading, and transfer money to each other through bank cards, ATM machines, counters, mobile apps, Alipay and WeChat. Soon your bank will have enough tap water.
Generally speaking, if you trade five or six times a day for thousands or tens of thousands of cycles, your bank flow will soon meet the requirements. Of course, what is most lacking at this time is time, and it is best to start doing it in the process of looking at the house.
6. Increase the down payment ratio
Needless to say, a little more down payment may be enough for you in the bank.
The above are the requirements of the bank flow sheet for housing loans. How to calculate the bank flow sheet as qualified?
Fourth, how can loan banks be qualified?
Requirements for daily account of loan bank:
1. Under normal circumstances, the bank will ask the lender to provide the bank with running water for half a year or a year. Of course, different banks have different requirements.
2. Banks should have a steady stream of water and stable income. Of course, it would be better if the income is high.
For married people, the bank usually requires the income certificate of the applicant and his spouse and the bank's running account for the past six months. If one party is unemployed, as long as the other bank meets the requirements.
If you are single, your parents can apply for a loan as a partner in the case of insufficient bank flow.
Different banks may have different requirements. Generally speaking, banks with continuous monthly income and high income are the best. Therefore, it is best to reflect the stable entries at a fixed time every month in the bank flow. It is usually necessary to mention that the bank's running water is within half a year, because local banks are different from banks, and the bank's running water is within one year. Of course, banks that fail to meet this requirement may not be unable to apply for mortgages. If a bank card reflects low income, the borrower can provide several bank cards in his own name. In addition, try not to withdraw all the funds from the card at a fixed time every month, so that the bank will think that you have a fixed large expenditure, which will affect the evaluation of your repayment ability. The monthly income demand of families reflected by the running water of banks is more than twice that of monthly supply.
Borrowers can use their ID cards and bank cards to directly print the banking process of mortgage loans at banks. You can take your passbook to the self-service inquiry machine at the business outlet to print it yourself.
These are the requirements of bank running bills for housing loans. How to calculate the bank flow must meet all the above conditions. If the bank has other requirements for running water, it must also meet the loan success.
Let's see what the bank should do if there is not enough water:
1. Together with the lender.
For married people, if there is not enough tap water, they can provide the husband and wife tap water of the bank together, as long as they add up to meet the requirements.
2. One-time large deposit
You can deposit a large sum of money in the bank card at one time and provide financial proof to prove your repayment ability. You can also provide other large property certificates to the bank, such as funds, cars, real estate, large insurance policies, etc.
3. Provide proof of guarantee
In some banks, borrowers can provide valid proof of guarantee, for example, the house is in the wife's name, but the wife doesn't have enough running water, and the husband can provide guarantee for it. Coupled with the income certificates issued by both parties, if they can prove that their overall repayment ability meets the requirements, they will lend, but not all banks are applicable.
4. Replace it with taxes 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, which proves that borrowers have stable and fixed income. However, not all bankers can do this. More banks should be consulted.
Step 5 make your own tap water
Many people don't know that the running water of the bank is actually going in and out! So you often transfer money to the card, the bank, where you have to print the running water. Transfer money from time to time during intraday trading, and transfer money to each other through bank cards, ATM machines, counters, mobile apps, Alipay and WeChat. Soon your bank will have enough tap water.
Generally speaking, if you trade five or six times a day for thousands or tens of thousands of cycles, your bank flow will soon meet the requirements. Of course, what is most lacking at this time is time, and it is best to start doing it in the process of looking at the house.
6. Increase the down payment ratio
Needless to say, a little more down payment may be enough for you in the bank.
The above are the requirements of the bank flow sheet for housing loans. How to calculate the bank flow sheet as qualified?