Insufficient running water usually means that the applicant's income proof materials are not enough to support the loan amount or repayment ability. In this case, the bank can take the following measures to judge whether to approve the mortgage application:
1. Comprehensive evaluation: The bank will comprehensively consider the applicant's credit history, income status, assets status and other factors to comprehensively evaluate the applicant's repayment ability. If other conditions are good, there may be some flexibility.
2. Provide supplementary materials: The bank may require the applicant to provide more income proof materials to evaluate the repayment ability more comprehensively. This can include the bank flow in the past few months, other asset certificates, etc. If the applicant can provide sufficient supporting materials, it may increase the chances of obtaining the mortgage loan.
Generally speaking, although good credit information is an important factor in mortgage loan approval, insufficient running water may have an impact on the application. If your running water is not enough to support the loan, I suggest you contact the bank for specific information and provide relevant supplementary materials according to the requirements of the bank to increase the chances of mortgage approval.
Supplementary information: If you don't know your credit status, you can search "Lan Bing Data" and click "Query", and then enter relevant information to query your credit data of 100 banks. With the establishment of Baihang Credit Information, almost all overdue online loans will have an impact on personal credit in the future, so you should carefully consider when borrowing money to ensure that you can repay on time.