Income proof and bank running water are important reference materials for banks to judge lenders' repayment ability, but many self-employed individuals are their own bosses, and their income may be unstable, but they also need to provide bank running water. What should they do if they don't have bank running water? Let's have a look.

Self-employed people who want to borrow money to buy a house generally need to provide the original and photocopy of their business license, tax registration certificate, tax payment certificate (the time of continuous tax payment varies from place to place) and bank deposit receipt for the past six months to prove their ability to repay the loan. As we all know, banks recognize wage mobility, but many self-employed people do not have wage cards for employers and wages, and they do not have the innate conditions for wage mobility. As for how to deposit, you can refer to the following practice: 1, choose a fixed time, and deposit a fixed amount every month (preferably more than 3000 yuan), preferably more than twice the monthly payment. For example, you can choose to deposit 6000 yuan in the bank at 5438+05 every month for at least 3 months to more than half a year. This kind of circulation will form a certain self-sustaining water, and it can also reflect the economic ability of the self-employed from the side. 2. When your bank running water cannot meet the loan requirements, you can provide running water for both husband and wife. Whether it is the running water of the self-employed or the running water of both husband and wife, it should be stable and continuous, and the money saved every month should be spent overnight. It's best not to take it all out at once, and the Carido should be more or less balanced every month. Last but not least, self-employed individuals should never believe small advertisements and forge bank records. If caught by the bank, they will think that the self-employed are dishonest and refuse to issue loans. If the circumstances are serious, criminal responsibility may be investigated for the crime of defrauding loans.

Second, how to audit the flow of bank loans?

If you intend to apply for a personal loan through China Merchants Bank, the age plus the loan period shall not exceed 70 years old. At the same time, it is necessary to provide proof materials such as use certificate, identity certificate and income certificate. Whether the final approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification.

Third, how to review the self-employed mortgage flow?

Individual operators can apply for mortgage loans if they have mortgages or third-party guarantees. If you don't have collateral or guarantee, you can also apply, but you need to provide a business license, a bank flow of about three months (the requirements of banks are different, and some lending institutions require about half a year) and a personal credit report when applying.

If you meet the above three conditions, you can apply for the exam. However, the amount is related to your repayment ability, the amount of running water in the bank and your personal credit history.

Fourth, how to review the self-employed mortgage flow?

Lenders generally need to meet the following conditions:

1. China citizens with permanent residence in China and permanent residence in local towns and 18-65 years old;

Good credit record;

3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

4. Other conditions stipulated by the bank.