If the bank running water is not stamped, then the bank running water is not eligible to apply for a mortgage. Because there is no seal, it means that it has not been recognized by the bank, and at the same time, the fake bank running water sometimes cannot forge the official seal, so there will be suspicion of fraud without seal.
How to fight the running water of mortgage bank?
1. If you need to print a bank account, you can bring your ID card, bank card or passbook to the counter of the business outlet to apply for printing a bank account; Or we can go to the self-service inquiry machine of the business outlets to print the bank flow; Or we can log in to the bank official website, click on my account, select details in the page that appears, set the query date, and query and print account details. Everyone should pay attention to when printing bank running water. The printed bank running water has legal effect only after the bank signs it.
2. Some property buyers may have insufficient bank flow. If you are married, you can print your spouse's income certificate and bank account; If you are single, you can use your parents as borrowers and print your parents' bank accounts. Usually, it is ok for the applicant and * * * to add up the applicant's bank accounts to meet the bank requirements. Or we can provide deposits, other property certificates, equity income, etc. Improve the pass rate of mortgage loans.
3. If the bank has insufficient running water, don't do fake running water. Because banks usually audit the lender's capital gains, it is easy to find out whether the bank's running water is true or false. Bank fraud will not only be refused loans, but also bear criminal responsibility if it is serious. According to relevant laws and regulations, those who obtain loans from banks and other financial institutions by fraudulent means and cause heavy losses to financial institutions will be sentenced to fixed-term imprisonment of not more than three years or criminal detention and may also be fined.
What if the bank doesn't have enough running water?
1, providing running water for both husband and wife.
For married people, if the bank flow of the main lender does not meet the requirements, they can also provide the bank flow of both husband and wife to apply for a loan. As long as both husband and wife meet the requirements, they can also apply for loans.
2. Pay the deposit.
If the applicant has just changed his job and the bank has only three months' stable fixed income for half a year, then when applying for a mortgage, he can deposit it into the bank card at one time, and the specific amount can be determined according to the requirements of the bank. Plus the income certificate provided by the unit, and the monthly stable income is more than twice the monthly mortgage repayment, it is also feasible to prove that your income is enough to repay the mortgage in this way.
3, provide proof of provident fund deposit or personal tax payment.
What should a lender who looks for money every month do if he has been in the bank for half a year and has no stable and sustained income? Some banks can provide provident fund deposit certificate, personal social security certificate and personal tax payment certificate instead of bank running water.
However, there are certain conditions to provide the above materials instead of bank running water, and they must be paid within a fixed time every month, thus indirectly proving that the borrower has a continuous and stable source of income. Moreover, not all banks can do this, and it is recommended to consult more banks.
4. Guaranteed loan.
What should I do if the husband and wife's general bank does not meet the requirements and can't provide valid provident fund deposit certificate or personal tax payment certificate? The premise is that the lender is not unemployed and can issue a valid unit income certificate.
Don't worry, this situation can be accompanied by a valid guarantee certificate, which proves that the overall repayment ability is still there. In this way, you can also get a bank loan smoothly. But this does not apply to all banks.
5. Reduce the loan amount.
If a single person wants to apply for a loan and just works, the bank flow does not meet the requirements. Then you can only apply for a mortgage by increasing the down payment ratio and reducing the loan amount.