Need. Handling any loan requires bank flow. Because the bank flow proves the ratio of the lender's income to the amount of funds in the account, if the lender's bank flow is small, the bank will also consider the lender's repayment ability.

What is bank running water?

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it can be divided into personal running water and enterprise running water. Ordinary office workers are personal water, while small and medium-sized business owners and self-employed people are public water.

How many months does a mortgage bank usually run out of water?

Different banks have different flow requirements for mortgage banks. Generally speaking, banks with continuous monthly payments, stable income and high returns are the most ideal. The bank running water shows that the fixed time of each month is stable. It is usually required to provide bank running water within six months. Because the local area is different from banks, some banks will require tap water to be provided within one year. The monthly income of the family is reflected in the running water of the bank, which needs to be more than twice the monthly supply.

What if the bank doesn't have enough running water?

Specifically, it can be solved by the following methods:

1. Married people can provide tap water to both banks;

For married people, if one party does not meet the requirements, it can provide running 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 8,000 yuan, the husband's monthly income is 10000 yuan, which does not meet the requirement of twice the monthly payment, and the wife's monthly income is 10000 yuan, which is 20,000 yuan, which meets the requirements.

2. Use the provident fund deposit certificate or personal tax payment certificate to replace the bank flow;

Some lenders pay their salaries in cash every month, so they can't provide bank running water. They can use personal tax payment certificate and social security certificate instead of bank flow, provided that they pay at the same fixed time every month, which proves that the borrower has a stable and fixed income. But not all banks can do this, and more banks should be consulted.

3. Deposit a certain amount of funds into the bank card at one time;

Some lenders have jumped ship, but the salary card is not the same as before. Only a few months in the semi-annual operation record show the word "salary". You can deposit a certain amount of money in the bank card at one time, and at the same time provide proof of unit income to ensure 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 can't keep up with their spouses' salary with a small monthly salary, but the bonus at the end of the year is 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.

Second, do you need to provide bank running water to apply for provident fund loans?

Yes, the running water of the bank is a proof of personal repayment ability.

To apply for provident fund loans, the following basic conditions shall be met:

1. has full capacity for civil conduct;

2 provident fund deposit certificate (or housing provident fund card);

3. Identity cards, household registration books and proof of marital status of the applicant and spouse;

4. Employees who have paid the housing provident fund normally for more than one year (inclusive) must pay the housing provident fund normally for more than six months (inclusive), and the monthly deposit of the housing provident fund reaches the minimum monthly deposit announced by the CMC;

5 employees can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;

6. If employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

7 have a stable economic income, good personal credit and the ability to repay the principal and interest of the loan.

3. Do banks with pure provident fund loans need a running account?

Hello, you usually need bank flow. Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements. Conditions for handling housing accumulation fund: 1. Individuals and their units must continue to pay housing provident fund for one year; 2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price. Handling process of housing accumulation fund: 1. The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials; 2. After receiving the application, the loan bank shall confirm and review the information; 3. After the audit, the lending bank will contact the lender and sign relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations. Please refer to the above answers provided by Ronglian Ye Wei.

4. Does the housing provident fund loan need bank flow?

Need. Handling any loan requires bank flow. Because the bank flow proves the ratio of the lender's income to the amount of funds in the account, if the lender's bank flow is small, the bank will also consider the lender's repayment ability. What is bank running water? Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it can be divided into personal running water and enterprise running water. Ordinary office workers are personal water, while small and medium-sized business owners and self-employed people are public water. How many months does a mortgage bank usually run out of water? Different banks have different flow requirements for mortgage banks. Generally speaking, banks with continuous monthly payments, stable income and high returns are the most ideal. The bank running water shows that the fixed time of each month is stable. It is usually required to provide bank running water within six months. Because the local area is different from banks, some banks will require tap water to be provided within one year. The monthly income of the family is reflected in the running water of the bank, which needs to be more than twice the monthly supply. What if the bank doesn't have enough running water? It can be solved by the following methods: 1. Married people can provide tap water to both banks; For married people, if one party does not meet the requirements, it can provide running 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 8,000 yuan, the husband's monthly income is 10000 yuan, which does not meet the requirement of twice the monthly payment, and the wife's monthly income is 10000 yuan, which is 20,000 yuan, which meets the requirements. 2. Use the provident fund deposit certificate or personal tax payment certificate to replace the bank flow; Some lenders pay their salaries in cash every month, so they can't provide bank running water. They can use personal tax payment certificate and social security certificate instead of bank flow, provided that they pay at the same fixed time every month, which proves that the borrower has a stable and fixed income. But not all banks can do this, and more banks should be consulted. 3. Deposit a certain amount of funds into the bank card at one time; Some lenders have jumped ship, but the salary card is not the same as before. Only a few months in the semi-annual operation record show the word "salary". You can deposit a certain amount of money in the bank card at one time, and at the same time provide proof of unit income to ensure 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 can't keep up with their spouses' salary with a small monthly salary, but the bonus at the end of the year is 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.