How to issue a proof of transaction for purchasing a house? Analysis and practical guide of hot topics across the Internet
Recently, the issue of issuance of proof of purchase of a house has become a hot topic on social platforms and financial forums. With the tightening of home purchase policies, banks have become more stringent in reviewing the income flow of loan applicants. How to standardize the issuance of flow certificates has become the focus of home buyers. The following is a detailed guide based on the hot spots on the entire network in the past 10 days.
1. Why do you need a bank statement to buy a house?
Banks evaluate the borrower's repayment ability through statement of statements, usually requiring the past 6-12 months of salary or business income statement. If there is insufficient liquidity, the loan may be rejected or the limit may be reduced.
2. Steps for issuance of flow certificate
| steps | Operating Instructions | Things to note |
|---|---|---|
| 1. Confirm bank requirements | Consult the lending bank’s requirements for transaction length and amount | Different banks may have differences |
| 2. Prepare materials | ID cards, bank cards, and some banks require an appointment. | Public accounts require an additional business license |
| 3. Printing flow | Print it at the counter or self-service machine and stamp it with the official seal of the bank. | Electronic statements require bank certification |
| 4. Supplementary supporting evidence | Such as part-time income, rental income, etc. | Contract or transfer records are required |
3. Top 5 hotly discussed issues on the Internet
| Ranking | question | solution |
|---|---|---|
| 1 | How do freelancers provide turnover? | Provide regular transfer records + tax payment certificate |
| 2 | How to supplement cash salary? | Deposit into bank card and note "Salary" |
| 3 | What should I do if the turnover amount is insufficient? | Add co-lenders or provide proof of assets |
| 4 | Is Alipay/WeChat transfer effective? | Approved by some banks, details need to be exported and stamped |
| 5 | Requirements for purchasing a house in another place | You need to confirm with the bank where you purchase the house whether it accepts out-of-town bank transfers. |
4. New trends in bank flow review in 2024
According to recent feedback from netizens and announcements from financial institutions, the current bank review has the following characteristics:
5. Expert advice
1. Plan your flow 3-6 months in advance to avoid temporary large transfers
2. Keep complete salary slips, labor contracts and other auxiliary materials
3. If you use a third-party payment platform to make transactions, you need to ensure that the transaction notes are clear
Through the above structured analysis, home buyers can systematically understand the key points of issuance of a business certificate. It is recommended to prepare in advance according to your own situation and consult a professional financial advisor when necessary.
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