Wechat running water can't be used as mortgage voucher, only bank card running water can be used as mortgage voucher. The bank running water is stamped with the announcement seal, which proves that the bank running water is true and effective and has legal effect. Wechat running water can't cover the official seal, and the bank doesn't admit it.

Conditions for handling individual housing loans:

1. A natural person aged 18 with full capacity for civil conduct.

2. Having a valid household registration certificate or a valid residence certificate.

Three, with a valid identity certificate and proof of marital status (marriage certificate, divorce certificate), if the user is single, should also provide proof of unmarried.

4. Have a good credit record and willingness to repay.

Five, with commercial housing sales (pre-sale) contract or purchase letter of intent, or with the purchase of second-hand housing sales contract.

Six, have the ability to repay the loan principal and interest in full and on time.

Seven, have the ability to pay the down payment of the purchased house.

8. Be able to provide guarantee methods and contracts recognized by the lending bank.

Nine, in line with other provisions of the loan bank.

Users need to provide the bank with bank card serial number, original and photocopy of ID card, marriage certificate, commercial housing sale (pre-sale) contract or letter of intent for purchasing house, personal credit report, bank card, financial certificate (if any), guarantee contract approved by the loan bank, etc.

Can WeChat running details be used as collateral?

Wechat running details cannot be used as collateral. To apply for a loan to buy a house, you need to print a bank running bill to prove your repayment ability. Wechat run list is not a formal run list, and the bank does not recognize it.

The main forms of bank flow input are card deposit, existing, transfer-in, salary, renewal fee, online banking transfer, payment, service fee and so on.

The contents of the journal include:

Personal flow: personal transaction details, consumption, in and out of accounts, transfer, online banking, telephone recharge, etc. Within six months.

Wage flow: individuals work in local companies, and companies are obliged to pay personal income tax for employees. The monthly salary is paid by the bank, which pays personal income tax, including consumption, deposit and withdrawal, transfer, online banking and telephone recharge.

Personal flow: personal transaction details, consumption, account entry and exit, transfer, online banking, telephone recharge, etc. Within half a year, it is reflected in personal business flow.

Personal flow in different places: details of personal transactions in different places, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. within six months. ; Non-wealth management gold card users need to deduct handling fees for transfer and cash withdrawal in different places.

All the above can be used as collateral.

Extended data

Housing loan application information

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Reference source? Baidu Encyclopedia-Bank Running Bill

Reference source? Baidu encyclopedia-mortgage

Can I apply for a mortgage by WeChat transfer?

Wechat's transfer flow can't be used to apply for a mortgage, because the bank can't accurately judge the lender's repayment ability on the transfer flow, and the transfer flow is not rigorous enough. There is a certain operating space, and some banks may not recognize it.

However, some lenders with flexible employment really cannot supply bank cards with stable flow. In this case, they can communicate with the loan bank and find a solution. Under normal circumstances, as long as the lender has the repayment ability, the bank will still approve the funds.