I. Add the word * * * to the lender.
The so-called increase in * * * and lenders, for married people, if the bank flow is not enough, can provide a common bank flow for husband and wife, as long as they add up to meet the requirements. For example, the applicant's monthly salary is 1000 yuan, and the application for a mortgage is 6,000 yuan. According to the requirements of the bank, the monthly income should be ≥ X2, and the applicant's monthly salary should be at least 12000 yuan, while your wife's monthly salary is 9000 yuan, and the husband and wife's monthly salary is 19000 yuan.
Second, one-time large deposits.
This way means that you can prove your repayment ability by depositing a certain amount of money into the bank card at one time and providing your own income certificate. For example, the applicant recently changed his job, and the bank card only showed the word "salary" for three months within six months. When applying for a mortgage, in order to prove his repayment ability, the applicant deposited 200,000 yuan into the bank card at one time and provided the company's income certificate. The monthly salary can reach 10000 yuan, and the monthly salary for applying for a mortgage is 6000 yuan, which is enough to prove that the income of the applicant can repay the mortgage.
Three, with the provident fund deposit certificate or personal tax payment certificate instead.
For example, the applicant's monthly salary is discovery money and can't provide running water, but the applicant pays the provident fund, individual tax and social security on time every month. Some banks can use personal tax payment certificate, provident fund deposit certificate and personal social security certificate. Rather than the bank's running water, but the premise is to repay at the same fixed time every month, so as to prove that the borrower has a stable and fixed income. At the same time, not all banks can do this, so we should consult banks more.
Four. Provide guarantee for handling loans.
Some banks allow borrowers to provide effective proof of guarantee, plus the income certificate issued by the unit, which can prove that their overall repayment ability meets the requirements, they will lend. For example, there is also a property in the applicant's name, which was bought in full before. Although the monthly income is not much, the bonus at the end of the year is still considerable. The applicant may wish to use other property as security. It should be noted that due to the different policies of banks, not all banks are applicable, and banks should be consulted more before applying.
Fifth, increase the down payment and reduce the loan amount.
If the borrower's bank flow does not meet the requirements and can't provide other certificates, he can only increase the down payment ratio and reduce the loan amount to his repayment ability. For example, the applicant has just worked for less than half a year, with a monthly salary of 5000 yuan. He is single and has no other valid proof to prove his repayment ability. He can only find ways to make up the down payment and reduce the loan amount.