When we buy a house, some people may choose to borrow money to buy a house. Of course, there are certain restrictions on loans. What should we do if the running account of the house loan is low enough? According to the national regulations, when the housing loan is insufficient, the loan term should be appropriately increased, and proof of assets under the name should be provided. See below for details. If the tap water doesn't work, you might as well take the initiative to pay more down payment, so that the monthly loan amount will be less. You can calculate how much down payment can meet your bank running bill loan requirements, but you should know one thing about this method, that is, at the beginning of your house loan, the monthly payment pressure is relatively high. First, increase the down payment ratio. The increase in the down payment ratio means that the proportion of loans needed is low. Therefore, when the loan ratio is low, the monthly payment ratio will naturally be low, and the bank flow data you need to provide will not be so high. 2. Provide proof of assets under the name. You can provide proof of assets in your name to the bank to prove that you really have the ability to repay. Because the bank needs you to provide bank flow, it is nothing more than examining your repayment ability. Therefore, if you have assets in your name, you can make the bank think that you are not bound by the monthly mortgage. Third, extend the loan period. The longer the loan term, the less contributions you need to pay each month. Therefore, the monthly payment ratio is low, and the requirements for bank running water will not be so high. Fourth, the bank flow of family members in terms of bank flow, the bank's requirements will not only require you to provide proof of your personal income and repayment ability. Therefore, you can also provide proof of family income, and even collect the proof of your parents, brothers, sisters and even your parents-in-law to submit to the bank, which is not exclusive. "The income must be more than twice the monthly mortgage payment", which is the basic condition for each bank to issue mortgage loans. Property buyers may not be able to apply for a mortgage if they cannot meet the above requirements! However, some property buyers can't meet this condition when they borrow money to buy a house. What should they do? The above points answered this question. It is not enough to use personal tax payment certificate and social security certificate instead of bank running water. There is a more reliable choice, that is, individual tax, provident fund and social security. Banks still recognize this kind of proof, and lending will be faster. You might as well communicate with the bank and issue tax payment certificate, social security certificate and provident fund certificate.