Generally, if the monthly income is less than 3,500 yuan, there is no need to issue a personal bank running bill. If the monthly income proves to be more than 3500 yuan, you have to go to the bank to pull a running account.
Bank running bill is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement. Refers to the list of deposit and withdrawal transactions between customers and banks within a period of time.
Now banks are more and more strict in reviewing mortgage loans. In addition to the information that the bank asked you to prepare, you can also check your own credit information. It is best to have no record of small loans and no overdue. These factors are the key to success. Credit information is not good, and no matter how high the monthly income is, it is useless!
Application material
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
Extended data:
Mortgage, also known as house mortgage.
Mortgage refers to the documents that the buyer must submit according to legal documents, such as filling out the mortgage loan application form to the bank and providing ID card, income certificate, house sales contract and guarantee. After passing the examination, the bank promised to issue loans to the buyer.
And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.
20 165438+20031October 24th, the latest survey data shows that according to the sample data of 10,1-1,32?
2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current branch notice is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other outlets are not clear."
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate.
"Mortgage" has become a way of life closely related to residents' lives.
References:
Encyclopedia-mortgage