How to make a mortgage loan
Recently, the issue of mortgage liquidity has become a hot topic, and many home buyers are troubled by insufficient bank liquidity. This article will combine the hot content on the Internet in the past 10 days to introduce in detail the production methods, precautions and common problems of mortgage statements, and provide structured data for reference.
1. What is mortgage flow?
Mortgage history is an important basis for banks to review a borrower's repayment ability. It usually requires bank account transaction records for the past 6 months. The turnover needs to reflect a stable source of income and a reasonable proportion of expenditures.
| Pipeline type | request |
|---|---|
| salary flow | Need to show the fixed transfer party (such as company account) |
| Self-operated sales | Business license and auxiliary certificates of public accounts are required. |
| Other turnover | For example, rent, financial income, etc. need to be clearly stated in the source. |
2. How to prepare a mortgage statement that meets the requirements?
1.real income flow: It is recommended to plan 6 months in advance, keep a fixed amount in the account every month, and avoid fast in and out of large amounts.
2.Supplementary flow method:
| method | Operation suggestions | Risk warning |
|---|---|---|
| Family transfer | Note "salary" or "labor remuneration" | Proof of kinship required |
| part-time income | Transfer funds through formal platforms and retain contracts | Tax records required |
| Deposit to move bricks | Deposit into the account in batches and stay for more than 3 days | Source of funds needs to be explained |
3. New regulations on bank flow review in 2023 (hot data)
| bank | Running requirements | special regulations |
|---|---|---|
| ICBC | Monthly income ≥ 2 times monthly payment | Accept Alipay transfers |
| China Construction Bank | Requires 6 consecutive months of flowing water | No cash deposits accepted |
| China Merchants Bank | Accept 3-month statement + deposit certificate | Request to note the purpose of transfer |
4. Frequently Asked Questions
1.Q: How to calculate cash salary?
A: It is recommended to deposit cash into the bank card on a fixed date every month, note "salary", and keep the salary certificate issued by the company.
2.Q: Can the insufficient running water be remedied?
A: You can try the following methods:
- Provide other asset certificates (deposits, financial management, etc.)
- Add co-payers
- Increase the down payment ratio and reduce the loan amount
3.Q: What will happen if the bank discovers the fraud?
A: You may face:
- Loan application rejected
- Included in bad credit record
- Those with serious circumstances shall bear legal responsibility
5. Professional advice
1. Plan bank flow 3-6 months in advance to keep your account active
2. Avoid using third-party packaging services (relevant scams have been exposed in many places recently)
3. The policies of different banks vary greatly. It is recommended to consult the loan manager before applying.
4. Self-employed individuals can provide public account statements and tax payment certificates at the same time to enhance credibility.
Conclusion:When making mortgage statements, you need to grasp the three principles of "authenticity, stability, and reasonableness." With the recent tightening of supervision, it is recommended that home buyers improve the quality of their homes through legal channels and not trust "water packaging" services. Only by choosing the most suitable bank and loan plan based on your own situation can you successfully pass the mortgage approval.
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