According to the different requirements of banks, each bank has different requirements.
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.
20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132
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.
Can banks recognize portfolio loans and part-time income certificates?
Portfolio loans and part-time income prove to be recognized by banks and can be used as other income of borrowers. It may be helpful to provide this certificate when you borrow it.
As valid information, the part-time income certificate needs other certificates, such as bank running water, social security, provident fund, etc., and you can apply for loans.
Income proof is a kind of economic income proof that China citizens need in their daily production, life and business activities. Generally, when handling visas, bank loans, credit cards, etc., the parties will be required to issue proof of economic income.
What should I do if my income certificate is not enough when I apply for a mortgage from the bank?
To borrow money from a bank to buy a house, you need to provide proof of personal income, which can directly reflect the borrower's repayment ability. Under normal circumstances, banks require monthly income to be more than twice the monthly payment, otherwise they will lend less or refuse to lend. So if the income certificate is not enough, how can the buyers remedy it?
I. The other half of the loan * * *
Couples can help improve the loan pass rate and reduce the repayment pressure. For example, Yue Ming's salary is 1000 yuan, and the monthly payment for buying a house is 8,000 yuan. According to the regulations, the monthly income on the income certificate provided by Xiao Ming must reach 1.6 million yuan before he can pass the bank loan approval. If the conditions are not met, Xiao Ming and his wife Xiao Yang can get the same loan, with a total monthly income of 1.8 million. Xiao Ming has a high income and a stable job. He is a primary lender and Xiao Yang is a secondary lender.
Two, appropriately reduce the loan amount or extend the loan time.
In order to control the monthly payment within 1/2 of the monthly income, we can appropriately reduce the loan amount, increase the down payment ratio and extend the loan term as much as possible. However, with the extension of the loan term, the total interest will also increase, as shown in the following figure.
Third, provide proof of part-time income.
At present, many banks recognize part-time income when approving loans, except for occupations prohibited by law, such as military personnel, civil servants and employees of state-owned enterprises.
Different banks have different regulations on the amount of part-time income and running bills. Some stipulate that the part-time income shall not exceed 50% of the main income, and some require the borrower to provide part-time income for half a year ... Please consult the bank in advance.
Fourth, find relatives to guarantee loans.
Some banks accept loans guaranteed by relatives, but the relationship between the guarantor and the borrower is strict. For example, they only accept the guarantee of immediate family members (parents or children), and third parties such as ex-wives and ex-husbands cannot participate in the repayment and bear the repayment responsibility.
According to the regulations, the guarantor must have a fixed source of income, have sufficient compensation ability and have a certain amount of deposit in the loan bank. When the borrower fails to repay the loan according to the contract, the guarantor must bear the guarantee responsibility.
5. Buy a house through Heli loan and relay loan.
The so-called relay loan refers to the housing credit product in which the parents are the owners of the purchased house and the parents and children are the same borrower. The so-called cooperative loan refers to a housing credit product in which the children are the owners of the houses purchased and the parents of the children are the same borrowers.
At present, some banks in Shanghai have stopped the business of "relay loan" and "heli loan" because it is easy to cause housing property disputes between parents and children.
How can people who can't issue proof of income borrow money to buy a house?
Freelancer: You can prove that you have a continuous income by providing a deposit certificate or going to a bank with income to handle a running account.
Private owners: Without proof of income, they need to provide business license, tax registration certificate, tax payment certificate (continuous tax payment time varies from place to place) or bank deposit receipt for the last six months.
When applying for a bank loan, it is easier to solve the problem of substandard income certificate. If there is something wrong with personal credit information, it will be much more difficult to get a loan, because the credit stain will be difficult to eliminate for a while. It is recommended that you check the credit report at least once a year, and once you find the credit stain, take immediate measures to make it up.
(The above answers were published on 20 17-04- 14. Please refer to the current actual purchase policy. )
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Excuse me, is the mortgage income proof strictly checked by the bank?
1, the income certificate should be issued according to your actual situation. Although high-income people will be more likely to pass the bank mortgage audit, don't deliberately exaggerate your mortgage income certificate in order to improve the success rate of mortgage. If the bank finds out it's fraud, it's not worth the candle.
Many people think that personal income is only their own salary income, but it is not. Some part-time income, other real estate income, and even husband and wife income can also be written into the mortgage income certificate. When you are worried that your income is too low, you can learn more about the relevant news.
3. Relevant proof materials of income proof must be prepared, such as the valid legal person seal of the company where the individual works, the individual's monthly bank statement, salary slip and so on. Remember, the seal to be used in the income certificate must be a valid official seal stipulated by law.
Is the mortgage income proof strictly checked by the bank?
As mentioned above, the production of income certificate must be true, because the bank's mortgage review process is very strict. Once the audit data issued by the bank is falsified, it will not only be impossible to apply for a mortgage, but also affect the personal credit record. If the circumstances are serious, the bank has the right to sue the mortgage applicant for fraudulent loans. According to China's criminal law, deliberately defrauding loans requires imprisonment, which is very risky for those of us who want to apply for mortgages.
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