Yes, on the mortgage, the salary is at least twice the monthly payment. In fact, the essential reason is that the bank should repeatedly confirm that you have enough repayment ability.

According to the Measures for the Administration of Individual Housing Loans

Chapter II Article 5

The borrower shall meet the following conditions:

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

Chapter II Article 6

The borrower shall provide the lender with the following information:

Proof of stable income of the borrower's family;

Chapter III Article 9

After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.

Extended data:

First, the monthly income is less than twice the monthly payment:

1. Increase the down payment ratio and reduce the loan amount.

Increase the down payment, the corresponding loan amount will be reduced, the monthly payment will also be reduced, and the income requirements will be lower.

2. Add * * * to the credit.

Married people can borrow money from their spouses, or increase their parents as lenders (relay loans), if the monthly income of two people adds up to twice the monthly income. But not all banks support "relay loans", which should be noted.

3. The monthly provident fund can be deducted from the liabilities.

If the borrower pays the provident fund normally every month, the Construction Bank can deduct the monthly payment of the provident fund according to the situation before calculating the liabilities, and the income certificate only needs to double the remaining liabilities after deducting the monthly payment of the provident fund.

Step 4 provide assets

In addition to CCB's deduction from the provident fund, some commercial banks can also appropriately reduce the requirements for the amount of proof of income if the borrower can provide some assets recognized by the bank.

Second, the mortgage conditions

Strictly speaking, whether the bank will give you a loan depends on your income, liabilities, assets, credit information and the nature of your house (primary or secondary).

The bank examines your income, including not only your salary, but also other stable sources of income, such as stable income, which can be submitted to the bank. As long as it is recognized, it is regarded as a source of income.

Similarly, the liabilities mentioned by the bank include not only monthly mortgage repayment, but also all your other liabilities at present, including your credit card bill and installment, monthly car loan repayment (if any), consumer loan installment on other platforms, and other loans that can be found but not settled.

Second, the monthly income must be twice the monthly payment before you can get a loan/venture loan.

If you want to apply for a personal housing loan through our bank, you generally need to provide materials such as current transaction flow and income certificate for nearly 6 months. Please refer to the regulations of the local branch for details. I suggest you contact the handling bank directly to verify and confirm.

Third, in the mortgage, must the wage flow be more than twice the monthly payment?

Yes, on the mortgage, the salary is at least twice the monthly payment. In fact, the essential reason is that the bank should repeatedly confirm that you have enough repayment ability.

According to the Measures for the Administration of Individual Housing Loans

Chapter II Article 5

The borrower shall meet the following conditions:

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

Chapter II Article 6

The borrower shall provide the lender with the following information:

Proof of stable income of the borrower's family;

Chapter III Article 9

After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.

Extended data:

First, the monthly income is less than twice the monthly payment:

1. Increase the down payment ratio and reduce the loan amount.

Increase the down payment, the corresponding loan amount will be reduced, the monthly payment will also be reduced, and the income requirements will be lower.

2. Add * * * to the credit.

Married people can borrow money from their spouses, or increase their parents as lenders (relay loans), if the monthly income of two people adds up to twice the monthly income. But not all banks support "relay loans", which should be noted.

3. The monthly provident fund can be deducted from the liabilities.

If the borrower pays the provident fund normally every month, the Construction Bank can deduct the monthly payment of the provident fund according to the situation before calculating the liabilities, and the income certificate only needs to double the remaining liabilities after deducting the monthly payment of the provident fund.

Step 4 provide assets

In addition to CCB's deduction from the provident fund, some commercial banks can also appropriately reduce the requirements for the amount of proof of income if the borrower can provide some assets recognized by the bank.

Second, the mortgage conditions

Strictly speaking, whether the bank will give you a loan depends on your income, liabilities, assets, credit information and the nature of your house (primary or secondary).

The bank examines your income, including not only your salary, but also other stable sources of income, such as stable income, which can be submitted to the bank. As long as it is recognized, it is regarded as a source of income.

Similarly, the liabilities mentioned by the bank include not only monthly mortgage repayment, but also all your other liabilities at present, including your credit card bill and installment, monthly car loan repayment (if any), consumer loan installment on other platforms, and other loans that can be found but not settled.