The first choice for most people to borrow money is to go to the bank, but bank lending will judge whether the buyer has the repayment ability by looking at the bank's daily account. If the bank's running account is not up to standard, the loan will be frozen. Then, what if the bank doesn't have enough water to apply for a loan? Different people can adopt different solutions.

1. Deposit a large amount of money at one time or provide proof of income.

Save a certain amount of money at one time, according to the amount you want to borrow, the more the better, which proves that you have the ability to repay, plus personal income proof, you can also borrow. There are still some people, usually not long after job-hopping, who can't provide a running account to the bank within six months to one year. As long as you prove that you have the ability to repay, it is also possible.

2. Provide valid guarantee certificate.

There is already a property in the name of the lender, and there is no loan, so the running bill is not enough. Some banks will let buyers take the first suite as a guarantee and provide proof of income. After that, under the comprehensive measurement of banks, it is very likely that they will lend to borrowers. But this method is not practical for every bank, and some banks do not support such a guarantee certificate.

3. Replace the bank flow with personal tax payment certificate and social security certificate.

If the borrower has a stable job, a fixed income and pays taxes, social security and provident fund at a fixed time, the bank will lend even if there is no running water. It should be noted that the three certificates you hand in must be handed in at the same fixed time every month. Moreover, specific banks need specific consultation, and then when banks that can use this method apply for loans, they can apply to banks with personal payment certificates, social insurance certificates and provident fund payment certificates.

4. Use the running water loan of husband and wife.

This article is especially suitable for people who borrow money to buy a house. For example, the bank's requirement for running water is not less than twice the monthly payment for buying a house. For a family, the bank will relax the conditions, as long as the husband and wife's bank running accounts add up to meet the requirements, the bank will lend. For example, a homebuyer has a monthly salary of 8,000 yuan, a spouse's salary of more than 2,000 yuan, and a monthly loan repayment of 5,000 yuan. This situation generally meets the requirements of banks and can also be approved by loans.