How about the salary flow of corporate banks in Chongqing? Our team meets your needs

  How about the salary flow of corporate banks in Chongqing? Our team meets your needs - welcome to contact Dianwei 138-2229-4898
Do you have the need to handle the bank entry process on your behalf? Our team of professional agent banks has many years of experience in public affairs and has decades of industry experience to help our customers effectively solve the problem of * agency
If you also need to handle * on behalf of others, you may wish to contact us through wechat
We will help you handle * on behalf of others
The price is affordable and trustworthy
What are the requirements for loan to buy a house
*It refers to the deposit and withdrawal transaction record of a bank current account
When buying a house with a mortgage, the bank will require buyers to provide * for nearly six months, and the family income is more than twice the monthly payment
Therefore, you must choose the bank savings account that you often use and has the largest flow to print the flow

For the working class, the bank will mainly look at your salary flow, monthly account balance and daily average balance of your account

For small and medium-sized enterprise owners, self-employed owners, etc
, the bank will mainly check the borrower's in and out accounts, fixed deposit balance, etc* It is better to reflect that there is a relatively stable entry at a fixed time every month* The monthly household income reflected in the housing loan needs to be more than twice the monthly mortgage payment

 
What if the loan to buy a house * is not enough?
1、 Increase co Lenders
For married persons, if one party's * does not meet the requirements, they can provide the * of both husband and wife
As long as the husband and wife * meet the requirements, they can also apply for a loan

2、 One time large deposit
You can deposit a large amount of money in * at one time and provide financial proof to prove your repayment ability
You can also provide other large property certificates to the bank, such as other real estate, cars and so on
At the same time, you can provide your fund or policy notes, which are also possible

3、 Provide guarantee certificate
Some banks allow borrowers to provide effective guarantee certificates
For example, the house is under the wife's name, but the wife's running water is not enough
The husband provides a guarantee statement that he is willing to bear full responsibility if the wife fails to repay in time
In addition, the income certificate issued by both parties will also lend if it can prove that its overall repayment ability meets the requirements
However, due to different bank policies, it does not apply to all banks

4、 Replace with individual income tax and social security
Some banks can also use personal tax certificate, social security certificate or provident fund payment certificate to replace *, provided that they pay at the same fixed time every month, so as to prove that the borrower has a stable and fixed income
However, not all banks can do this
We should consult more banks for details

5、 Increase the proportion of down payment
If the house lender * does not meet its requirements and cannot provide other certificates, it seems that he can only increase the down payment ratio and reduce the loan amount to the scope of his repayment ability, so that the bank has greater acceptance

 
*Handle it on your behalf and help you solve the problems you encounter in one step! We will solve your problem:
 
Now let me tell you in detail why lending institutions must provide * to borrowers? What specific aspects should be checked? Hope to help friends who need to handle it!
Necessity of checking *
* whether the borrower has the ability to make loans, or whether it has the ability to make comprehensive loans, so as to reflect the borrower's basic debt repayment situation