The running account of mortgage loan is very important. As you said, your daily account is unqualified, but if you have a daily account of another bank (ordinary bank account, not limited to that bank), you can use it.

If you only have this bank account, you can't do it now. You can do more running water in these ten days and access it twice a day. When you apply, there is enough money in your account to pay the down payment. You'd better ask the bank to call for you for another year.

This won't be a big problem,

You should find a guarantee company. You can consult them. It won't be a big problem. The first home loan approval is very loose. Don't worry too much. If you have proof of income, just don't be a bad company. Write a higher monthly income and position. It depends on how much money you have borrowed for several years.

500,000 yuan for 20 years, with a monthly income of more than 9,000 yuan (at this rate).