The daily report of mortgage bank refers to the details of the daily entry and exit bills of the borrower's bank card.
Bank flow is an important evidence for banks to judge customers' income. Generally speaking, personal banking flow includes transaction details, account consumption, transfer, online banking, telephone recharge and so on. If it is a salary card, it also includes monthly salary and personal income tax paid by the bank.
The lender's daily withdrawal, credit card consumption, deposit and transfer will be reflected in the bank running bill.
Banks can judge the daily consumption, income and expenditure of lenders by looking at their running bills.
Extended data:
If tap water is insufficient, it can be solved in the following ways:
1. For married people, if one party's tap water does not meet the requirements, they can provide tap water for both husband and wife, and they can also apply for loans as long as their common tap water meets the requirements.
2. Deposit a certain amount of funds into the card, and provide the income certificate of the unit at the same time, which proves that the lender's income is enough to repay the mortgage, gain the trust of the bank and meet the loan conditions.
3. Replace the bank flow with the provident fund deposit certificate or personal tax payment certificate, and some banks agree to replace the bank flow with "personal tax payment certificate, provident fund deposit certificate and personal social security certificate".
4. Provide guarantee that meets the requirements to handle the loan. Some banks allow borrowers to provide valid guarantee certificates, plus income certificates issued by units. If they can prove that their overall repayment ability meets the requirements, they will also lend. However, due to different banking policies, it does not apply to all banks.
5. Increase the down payment and reduce the loan amount. If the borrower's bank flow does not meet the requirements and can't provide proof, it can only increase the down payment ratio and reduce the loan amount to his repayment ability.