How to make a smooth payment for a self-employed loan to buy a house? A brief introduction in this article

Income certificate and bank statements are important reference materials for banks to judge a borrower’s ability to repay a loan. However, many self-employed people are their own bosses and their income may not be stable, but they must also provide bank statements. , and they don’t have bank statements, so they have to make their own statements, so what should they do? Let’s take a look.

Self-employed individuals who want to borrow money to buy a house are generally required to provide the original and copy of their industrial and commercial business license, tax registration certificate, tax payment certificate (continuous tax payment time varies by region), and bank deposit statements for the past six months. , to prove that they have the ability to repay the loan.

We all know that banks recognize salary flow, but many self-employed individuals do not have salary cards issued by their employer and salary, and do not have the innate conditions to form salary flow. They can only save their own flow. , as for how to save, you can refer to the following methods:

1. Choose a fixed time, and deposit a fixed amount (preferably more than 3,000) every month, preferably a monthly payment of 2 More than times. For example, you can choose to deposit 6,000 yuan in the bank on the 15th of every month for at least 3 months to more than half a year. Such repeated cycles will form a certain self-storage flow, which can also reflect the economic capabilities of self-employed individuals from the side.

2. When your own bank account balance cannot meet the loan requirements, you can provide the couple’s bank account account balance.

Whether it is a self-employed person’s own turnover or a couple’s turnover, it must be stable and continuous, without interruption, and the money deposited every month must be overnight, and it is best not to deposit it all at once. Take it all out and there will be a balance in the card every month.

The last thing to remind is that self-employed people must not believe small advertisements and make fake bank records. If the bank sees through it, it will think that the self-employed person is dishonest and refuse to grant loans. In serious cases, you may be held criminally responsible for loan fraud.

How to get a bank statement for a loan?

The bank statement requires you to bring the savings card and ID card in your name and go to the bank counter to print it in person. It is free. Processed

: 1: What is bank statement

Bank statement refers to the deposit and withdrawal records of users’ bank current accounts (including bank cards and current passbooks) within a certain period of time. .

Two: Why lending institutions need to look at bank statements

A formal bank statement, especially one that includes salary statements, can often directly reflect the borrower’s monthly income, unit Nature and corresponding consumption records, lending institutions can use this to deduce the applicant's income level and corresponding repayment ability, thereby deciding whether to lend and the corresponding loan amount.

Three: How to look at bank statements

1. Check whether the monthly income meets the standard

Many loan products have certain requirements for the borrower’s monthly income, such as Income should be no less than 3,000 yuan.

2. Check whether the time meets the standard

Generally, lending institutions will require borrowers to provide bank statements for the past three months or even the past six months. The reason for such a requirement is mainly to assess whether the applicant's salary income is stable and sustainable. This means that the applicant's job and income are considered stable, and the repayment ability is naturally guaranteed.

3. Check whether the bank statements are authentic

Many people, because they cannot provide bank statements, or the bank statements are not up to standard, will think of forging bank statements in order to get through. As everyone knows, the authenticity of bank statements is the focus of review by lending institutions. Once an applicant is found to have provided false bank statements, they will not only deny the loan directly. The applicant will also be considered to have committed loan fraud and will be blacklisted. Applying for loans and credit cards in the future will be greatly affected.

To sum up, bank statement can be said to be an important material when applying for a loan, and it is recommended that everyone take it seriously. If it is indeed impossible to provide bank statements, or the bank statements are not up to standard, it is recommended to provide other materials that can prove your ability to repay, such as bank deposits, financial products and other asset certification materials.

How to obtain bank statements if a loan is needed?

The bank statement required for a loan refers to the consumption details of the debit card, including outgoing and incoming accounts. You can usually take the bank card with the transaction to a bank branch and print out the statement. Bank flow records help lending institutions judge users’ consumption levels and repayment abilities based on their income and expenditure.

However, bank turnover also has requirements. It cannot be less than 6 months before the loan is closed, and if it is continuous, the amount of the account is relatively stable, the time is fixed, there must be in and out every month, and the nature of the turnover is the best. It's good to have salary flow, but if you really don't have it, you can save your own flow.

How to obtain bank statements when taking out a loan?

When applying for a loan, financial institutions generally require the applicant to provide bank statement materials to evaluate the applicant's repayment ability.

Bank statements are also called bank card transaction statements. Every deposit, withdrawal, consumption, and transfer information on your bank savings card will be recorded in detail, and the resulting bank card transaction list is the bank flow.

Common bank statements mainly include bank payroll statements, self-deposit statements and transfer statements. Among them, yisanjiuxinbanglingsanyiqichina's qiyiqisan is a very effective way. Banks that are clearly marked with the word "salary" and issue salary statements are most recognized by banks and lending institutions.

Since the salary flow generated by banks is generally the salary income after deducting social security and provident funds, it can more accurately reflect the income of the borrower. And if you have paid into social security and provident funds, it also shows whether your job is stable.

As for transfer transactions and self-deposit transactions, only some banks and lending institutions will recognize them. The so-called transfer flow refers to the part of the flow marked "Transfer (or online banking transfer)" in the summary list; for many borrowers whose income source is cash, after receiving the income and then depositing it into the bank, the bank flow will display "Deposit". deposit or cash deposit", which is called "self-deposit flow" in the industry.

How to get a running account for buying a house with a loan

When taking a loan to buy a house, if the customer has a bank flow and the flow is sufficient (not less than twice the monthly payment of the mortgage), then the customer only needs to pay close to Just print out six months of bank statements and submit them to the bank (office workers can directly provide the income and expenditure details on their salary cards).

However, if the customer does not have enough bank liquidity for the time being, he can adopt the method of self-depositing funds. That is, deposit an amount of money into a bank card under your name at a fixed time every month. It is best to use a card issued by the bank where you plan to apply for a mortgage.

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards). According to the nature of the account, it is divided into personal flow and corporate flow. Bank statement is a document that proves the income of an individual or company, and is a necessary document to apply for a loan from the bank.

1. How to get bank statements

1. After you confirm the bank to which your bank card and passbook belongs, bring your ID and bank card to the nearest bank branch to check. The staff will help you print it.

2. You can also bring your card or passbook to the self-service inquiry machine at a business outlet to print it yourself. Self-service printing process:

Self-service inquiry machine - insert card or passbook - enter password - enter the inquiry details page - historical details - enter the date required for inquiry and printing - inquiry - print.

In addition, you can also check bank statements through the following methods:

1. For users who have opened online banking, they can log in to online banking for inquiries.

2. Customers who have activated mobile online banking can also log in to the mobile terminal for enquiries.

Notes

If you need proof of bill details, please apply for printing and have the printing teller stamp the bank seal.

After printing the bank statement, do not throw it away to prevent leakage of personal (public) account information.

2. The role of bank statement

Bank statement is a document that proves the income of an individual or a company, and is a necessary material to apply for a loan from a bank

How to check bank statements

First, check at the bank counter. Just bring your ID card and bank card to a nearby bank branch to check. Or check online banking. As long as you open online banking, you can check your personal bills through online banking.

In addition, self-service inquiry machines can also be used for inquiries. Users can bring their bank cards and ID cards to the bank's offline and online self-service inquiry machines and follow the steps to inquire.

You can also check through mobile banking. Users only need to open online banking and download the bank APP, and after logging in, they can check the bank statement details.

How to make bank statements?

Question 1: How to make effective bank statements. It is very simple to obtain effective bank statements. There are two ways to do it:

1. For unit employees with stable jobs and income, the unit will pay wages by punching in every month. In this case, the borrower only needs to withdraw his/her monthly salary from the bank normally to generate bank flow;

2. For those who have a stable job and income, or have a stable income but are not punched in by the company , you need to deposit your monthly income into the bank first, and then withdraw it day by day when you use it. This can also form bank flow.

Question 2: People from the bank, come out quickly: How to make bank statements for home loans and commercial loans 1. As long as the funds are transferred to the bank card in your name, it will be a statement. It can be in any form, including online bank transfers. Yes,

2. No, it must be deposited for at least 3 days. In and out on the same day will not be counted.

3. You need to deposit and withdraw for more than 6 months to do this. I guess It can't solve your current problem

4. You can make a large deposit, because the bank has an average turnover of 6 months, but you have to deposit a large amount more than a month in advance, which means depositing this month , refinance next month.

5. In fact, it is possible to make a fake statement directly

Question 3: How to open half-year bank statements. Take your card or passbook and go directly to the bank counter and ask them to help you make half-year transactions. A list would be nice.

Question 4: How to prepare a bank statement. A bank statement is also called a bank statement or detailed account. You can go to the bank counter and ask to print bank statements. Generally, you can print the last six months. Most banks do not charge a fee. If there are too many bank statements, or some banks will charge a fee.

Print the real bank statement, find a professional PS, make the statement larger, and leave the impression of a large transaction volume to the bank loan approving staff. The other is to do the statement yourself, repeatedly from multiple The transfer of funds in and out of an account may seem like a large amount of money, but in fact most of it has nothing to do with business operations. These two kinds of fake bank statements can be easily distinguished by experienced loan approving personnel. The former is one that provides false application materials and will be rejected for loan and will be blacklisted and banned forever. The latter will result in a warning but will not affect loan approval.

The loan ledger records the time, amount, loan number, customer number, start and end date, balance, mortgage guarantee status, etc. of each loan in EXCEL form, for management or decision-makers Understand the changes and structural distribution of the Bank’s loans.

Question 5: How should bank statements be made? Bank statements are mainly divided into four parts:

Personal statements: personal transaction details within six months, consumption in and out transfers, online banking phone calls, etc.

Salary flow: The individual works in a local company, and the company has a flow of personal income tax for employees. The bank pays monthly wages on behalf of the bank, and the bank pays personal income tax on its behalf. There are consumption transfers in and out, online banking, phone bill recharge, etc. .

Large personal turnover: personal transaction details within half a year, consumption in and out transfers, online banking and phone bill recharge, etc. personal business transactions.

Personal long-distance transfers: Personal long-distance transaction details within six months, consumption in and out accounts, transfers, online banking, phone calls, recharges, etc. Non-financial gold card users need to deduct handling fees for long-distance transfers and cash withdrawals.

Corporate flow: commonly known as corporate statements, the corporate capital flow within half a year from the general account opened by the local bank where the company is located.

The bank statement should be a basis for assessing your solvency. The amount of inflows and outflows is also confirmed based on your own actual situation. The bank will judge based on its own assessment standards. If it needs to be falsified, etc. , you can cheat by transferring in and out in the early stage. However, most bank personnel can analyze it, and financial companies or banks with relatively loose requirements don't care.

Question 6: How to make bank statement and how to make bank statement yourself. There is currently no formal way to change it. According to the "Law of the People's Republic of China on Commercial Banks", no one is allowed to make changes. If you forge and change the statement to make a loan, you are suspected of breaking the law and committing the crime of obtaining loans by fraud. Related extensions: The crime of fraudulently obtaining loans: 1. The crime of fraudulently obtaining loans refers to the act of obtaining loans from banks or other financial institutions by deceptive means, causing heavy losses to banks or other financial institutions, or having other serious circumstances. 2. The statutory penalty for this crime is: a sentence of not more than three years or criminal detention, and a fine or a fine alone; if a particularly heavy loss is caused to a bank or other financial institution or there are other particularly serious circumstances, the sentence is not less than three years but not more than seven years, and also a fine. Penalties. 3. This crime is different from the crime of loan. Note: The crime of fraudulently obtaining loans is a new crime in the "Criminal Law Amendment (6)". One of the various crimes specified in Article 175 of the Criminal Code.

Question 7: How to make a bank statement? You need to have real records of deposits, withdrawals and transfers

Hold your ID card and go to the bank counter to print the statement

Insert the card into a transfer inquiry machine (or discount inquiry machine) with inter-bank transfer, select "More" to inquire the details and print them

Log in to online banking to inquire the details and print them

Question 8: How to make bank statements for buying a house with a loan is very simple. Just find some money and deposit and withdraw it a few times, or transfer it in and out a few times. The loan only depends on the frequency of your cash flow, regardless of your balance. (Of course it will be better if you have a balance)

Question 9: How to make fake bank statement. The so-called bank statement is the sum of the incoming and outgoing amounts. It is best to prepare three cards first, and now deposit a certain amount of money on one card. , and then you can transfer these three cards in and out repeatedly. It is best to have online banking, but remember it is best not to transfer the same amount, because it is too obvious.