1. What is bank running water?
Bank flow is actually your bank card deposit and withdrawal transaction statement. If you apply for a mortgage, it is generally enough to print 6 months of running water. That is, the deposit and withdrawal business transaction list of the applicant's bank account, including salary, card deposit, existing, transfer, payment, card withdrawal, transfer, etc.
It's convenient to go to the bank to print the running water now, but remember to bring your bank card and my ID card when you go to avoid a trip in vain.
Second, what conditions do banks need to meet when they borrow money to buy a house?
To apply for a mortgage, the bank must first judge your ability to repay the loan, and the very important judgment basis is your bank running water. Look at your running water, in fact, is to see whether your income level has the ability to make a fixed and stable monthly repayment. Therefore, in addition to asking you to issue a certificate of income in the unit, the bank also needs to print the bank account number.
Under normal circumstances, the bank will require the borrower's monthly income to be more than 2.2 times the monthly payment. Of course, banks mainly value the amount of deposits, especially the salary part of the bank's running water, as well as the existing and transferred cash flow. Because the bank values your stable income, if it is much higher, it is best for the bank to ensure a steady stream of water and stable income.
If you are married and both work, the bank will often ask for the income certificate of the applicant and his spouse and the bank statement for the last six months. If one party has no job, there is no need to provide bank running water.
In addition, it is very dangerous to remind everyone not to believe in bank fraud. Once found, 100% will be rejected.
Third, how can a personal bank borrow money to buy a house if the running water is not enough? Specifically, it can be solved by the following methods:
1, married people can provide cross-strait tap water.
For married people, if one party's tap water does not meet the requirements, it can provide tap water for both husband and wife, and as long as both husband and wife meet the requirements, they can apply for loans. For example, the monthly payment is 8000 yuan, and the husband's monthly income is 10000 yuan, which is no more than twice the monthly payment. The wife's monthly income is also 10000, which adds up to 20000, which meets the requirements.
2, with provident fund deposit certificate or personal tax payment certificate instead of bank running water.
If the lender pays the salary in cash every month, but can't provide the bank flow, it can replace the bank flow with personal tax payment certificate and social security certificate, provided that it is paid at the same fixed time every month, so as to prove that the borrower has a stable and fixed income, but not all banks can do this. Specifically, it can be called Jiaoguang Microfinance Easy.
3. Deposit a certain amount of funds into the bank card at one time.
If the lender has a new job, the current salary card is different from the previous one, and the personal bank running record for half a year only shows the word "salary" for a few months. You can deposit a certain amount of money in the bank card at one time, and at the same time provide proof of the income of the unit, ensuring that the monthly income is twice that of the monthly payment, proving that you have the ability to repay the mortgage, and some banks will agree to lend.
4. Provide guarantee that meets the requirements.
Some people don't earn much a month, but they can't provide their spouses with running wages. However, the bonus at the end of the year is still considerable. If the unit issues an income certificate to prove that its overall repayment ability meets the requirements, the bank will also lend. Of course, the policies of different banks are different, and this method does not apply to all banks.
skill
The bank loan threshold is high and the audit is strict. Bank running water is one of the criteria for banks to assess lenders. Having a complete annual bank flow can improve the speed and quantity of audit. Of course, many people can't get approval because they can't provide bank flow. Therefore, everyone can pay attention to the credit products on the website of Jiaoguang Microfinance Easy, with high quota and fast lending to meet your demand for funds.
(The above answers were published on 20 17-08-03. Please refer to the actual situation for the current purchase policy. )
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