You can apply for a mortgage loan without bank running water, but this will have a great impact on the approval of mortgage loans, which may affect the loan life and loan interest rate. When a bank applies for a loan to buy a house, generally speaking, the bank will ask the borrower to provide income proof, personal credit information, effective assets and other information. Some banks may require banks to run water, and if they don't provide proof of running water, they may deduct points when scoring loans. What if the mortgage flow is not enough? 1. Self-made bank flow If you have a lot of cash on hand, you can deposit a fixed amount of money in the same bank card on a fixed date every month and stick to it for 3-6 months. Printed self-storage water can also be recognized by most banks, suitable for groups with plans to buy a house. 2. Providing large property certificates can provide other large property certificates to banks, such as real estate, automobiles, funds and large insurance policies. This can also prove your repayment ability. 3. Increase parents as co-payers. If you buy a house with your wife or parents, then both parties can participate in the loan as the main lender, and the wife/parents can participate in the loan as the secondary lender. However, it should be noted that if the parents are too old, the loan period will be limited or the bank will not approve the loan. Generally, you can't apply for a bank loan if you are over 60. However, some banks can relax to 65. 4. At present, the most commonly used way to provide proof of security is the house seizure loan, but the borrower who applies for this loan needs to provide the real estate license, the valid identity certificate of himself and his spouse, the marriage certificate, the work and income certificate, the real estate appraisal report, the written certificate of consent to the seizure issued by (the authorized occupier and other obligees of the seized house) and other loan materials required by the lending institution. Please consult the loan bank for specific operation methods. 5. Increase the down payment. This is the last method. If you can't meet the bank's flow requirements when applying for a loan, and you can't provide other certificates, then you can only increase the down payment ratio and reduce the loan amount according to your repayment ability.
Second, can you make a real estate mortgage loan without bank running water?
There is no running water for bank mortgage, and the following operations can be performed:
1. Housing loans do not require every bank to change banks.
2. Or try another property, car or securities as a supplementary proof of repayment ability;
3. Provide the company's salary certificate or personal tax payment bill.
4. It can actually explain the income situation. If you have credit business with financial institutions and can meet the requirements on time and in full, from the perspective of bank personnel, you can be regarded as a person with good credit and get preferential treatment under the same conditions.
The purpose of running an account is to examine the ability to repay bank debts. Generally speaking, for the working class, the bank will mainly look at your salary flow, monthly account balance and daily average account balance. With this information, we can calculate whether you can repay the debt on time after deducting the basic living expenses and other necessary expenses for one month according to the bank's own model.
Third, can I get a loan without the bank's running water certificate?
Hello, it depends on whether banks, cities and policies are tightened. Some banks agree to this operation. The following are some operations and real experiences, hoping to help the building.
(1) Don't listen to the salesman, it's okay. Sales may brag about performance, but there were many accidents later, so it's your own fault, so you should know and ask yourself.
(2) You can determine the loan amount and the bank: communicate with the bank. If the loan officer or business person of the bank says yes, it is basically ok. At present, in many places, the monthly payment is below, and some banks do not need running water. You only need to issue proof of income. This income certificate is not necessarily true. The bank only depends on whether you can open it. Therefore, as long as the down payment is increased and the loan amount is reduced, the income will only flow. (Personal experience)
(3) If you are not sure about the bank, you must do this part of the sales well first. Let the sales personally take you to communicate about the loan, and believe in the sales. When you are not sure, don't believe what the salesman says. He will meet your requirements before you pay, so if you are tough, you should be able to do it.
(4) If the sales don't go to the bank in advance, then sign an agreement stating that the sales will help the loan, and if the loan can't be stopped due to false flow, it won't bear any losses. If the sales volume is really sure, it should be easy to say (it feels a bit unrealistic, but it can be used to blow sales).
As for the impact on the future: I haven't seen it yet, and I don't rule out policy changes. I feel that as long as you can repay the loan, the bank will not pursue it. If you can't repay the loan, you should auction the house. There was no need to consider credit records at that time, so there is no punishment at present. Note: the bank will only reply false information and ask you to issue a new income certificate and running water certificate. If it fails to do this, the loan may not be obtained, the blacklist will not be recorded, and there will be no problems in credit reporting.
The following is an example, which is anonymous because I am afraid of bringing unnecessary trouble to myself. However, most of these cases are buying first-hand houses, and only one case is second-hand houses. (The overpayment in the following example is a forged part. )
(1) I made a loan in June 2008 1 1. Before the loan, I communicated with the bank and with several banks. The bank said that as long as it is lower than 15000 yuan, it is not running water. As long as the income certificate is issued, the bank will know that there is not enough running water. The bank said that as long as you can open it, you won't check it, so your income has increased. At present, the commercial loan of the bank has been partially approved, but the provident fund has not been approved (another scheme is to issue a complete income increase certificate of 1.48 million yuan, which is a pure commercial loan, but in order to save money, it is a bold scheme. The provident fund audit failed, and the bank said that it would be fine to transfer to pure commercial loans). At present, the bank's pure commercial loan has passed the audit, and the provident fund has received a text message and is currently waiting for the loan. Many people in the owners' group proved that their income was half true and half false, and some people passed the examination and the loan was approved.
(2) In August, my friend borrowed 65,438+2008, and the income proved to be about 7,000 yuan more. The portfolio loan he used was also handed over to the bank first, and the bank agreed to operate it. At present, the bank's pure commercial loans and provident fund loans have been approved.
(3) Relatives borrowed money from 65438+65438+February 2005. A student has not graduated, bought a second-hand house, paid the money to the intermediary, and the intermediary helped to deal with it. Complete false income proof that the loan is being repaid.
(4) Relatives borrowed money in 2008, worked freelance, had no proof of income and running water, and made a complete fraud. At present, they have repaid in advance.
So I hope it will help the building.
4. Can the bank borrow money to buy a house without running water?
Did the landlord borrow it?