If you have certain assets in your name, such as certificates of deposit, house ownership certificate, etc. You can provide them as long as you can prove that you have the ability to repay the loan principal and interest on time.
If you really can't provide enough running water, you can try to find a spouse and parents to apply for a mortgage, and then let the other party provide bank running water, which may be enough.
Or you can choose to increase the down payment and reduce the loan amount. In this way, the monthly mortgage will be reduced, and the demand for tap water will naturally be reduced.
In addition, you can also find a person with good credit to guarantee your mortgage, which can also improve the chances of loan approval.
At the same time, it is recommended to fully consider your own economic situation and repayment ability when buying a house. If the house price is too high, far beyond their repayment ability, then it is naturally difficult to borrow money.
Too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check your big data in Xiaoqi Credit Information to provide accurate information for debtors, people who apply for too many online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.
Extended data:
Can I borrow money online before mortgage?
You can apply for online loan before mortgage, but it is best not to apply too often.
Some online loans are accessed by the central bank for credit information, and relevant records will also be reported for credit information if applied. At that time, when the mortgage handling bank inquired about the credit information, it found that it applied for a number of other loans at the same time when applying for a mortgage, which inevitably worried that its economic life was unstable and its repayment ability was insufficient due to excessive debts, which might also affect the subsequent mortgage lending.
It is suggested that if you are not in urgent need of funds, you'd better wait for a while before applying for a new loan.