1. Re-run the pipeline, and the time will be delayed.

2. If one person's loan flows, then the husband and wife have the same loan, so is the flow of two people enough?

3. Either increase the down payment or extend the repayment period. If the monthly supply is less, the demand for tap water will be less.

For reference only.

Second, what if the loan goes to the bank and the water does not pass?

Just take the bank card and ID card and print it out directly in the bank window. If you have online banking, you can also go to Shenyang Zhonghui to verify your running status through telephone banking and online banking. It's good. I hope Shenyang Zhonghui can help you and adopt it.

3. What should I do if the bank loan cannot flow?

1. Provide the flow of both husband and wife. One party's flow can't meet the requirements of bank loan approval. The running water of both parties proves that as long as the bank running water of both husband and wife meets the loan approval requirements, they can also apply for a loan.

2. Mortgage loan, seeking guarantee: mortgage loan, some banks only prove that it can prove whether the whole is specific or not. Before mortgage, you should consult yourself to apply for a loan.

3. Provident fund, social security and salary payment are all paid in cash, and the monthly bank flow cannot meet the requirements of bank lending. At this time, you can use the salary certificate issued by the provident fund, social security, tax payment and other departments, or apply for a loan.

4. Self-made running list or large deposit: prepare multiple bank cards, transfer all the money to the bank cards with running water, deposit them regularly every month, and take them out next month. Banks can only increase the flow of water in this way, but they need to start business six months in advance.

5. Reduce the loan amount: generally, the down payment is 30% of the total house price. If there is no way to provide other proof of repayment ability and the economic ability is acceptable, you can increase your down payment ratio, increase the down payment amount and reduce the loan amount.

What problems should I pay attention to when buying a house with a loan?

1. Make a running account before applying for a loan.

Many people who buy the first suite are young people who have not worked long. Parents help with the down payment, and the bank bill is very small. On the mortgage, the bank will check your running account, make a beautiful running account for yourself, and then apply for a loan. At least half a year's monthly payment is required to pass the bank.

2. Don't change jobs frequently before buying a house with a loan.

If you plan to buy a house with a loan, you must not change companies or jobs at will before buying a house with a loan. At least, don't replace it in the first half of the loan to buy a house. Because stable work and income are also important criteria for banks to examine the personal qualifications of loan applicants.

Banks can judge whether workers have repayment ability and bank credit risk. If you change your company or job before handling the loan business, the bank will definitely think that your job is unstable, your repayment ability will be affected, and the credit risk of the bank will increase.

3. Submit true and effective loan information.

Banks attach great importance to the authenticity of borrowers' loan information. If the materials are found, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; As a result, it is impossible to apply for loans, which leads developers to require buyers to bear the overdue delivery of mortgage information and goods and pay a considerable amount of liquidated damages. The reason information must be true.

4. The repayment method should be selected.

The repayment method is general. Average capital's monthly payment will be quite large in the early stage, but it will be too light and unbearable in the later stage; Equal interest is still relatively small every month. If the personal economic level is unstable or the family expenditure is large, it is recommended to choose equal interest.

4. What if I can't provide a bank journal?

Hello, you said that you can deposit 10,000 to 20,000 yuan every one or two months, and the bank flow of this card is also ok. The bank looks at your monthly account entry and exit problems. Save 10,000 yuan or 20,000 yuan occasionally. If it doesn't work for six months, it can be provided for one year and a little more.

Then, if it is not enough, provide more bank cards and a one-year bank daily account.