The loan standards of each bank are different. Generally speaking, the bank must have at least twice the repayment amount. Assuming that the monthly income is 10000 yuan, the monthly repayment amount can only be 5000 yuan at most.

We usually say that loans depend on running water. Bank running water refers to saving money in the bank for one month, or punching in wages. The running water of the bank only looks at the income, not the account. Of course, it will take at least one night if the income is not counted. It is best to have a deposit record for three to six months in a row, and one month should be no less than 3000.

First of all, the bank statement, also known as the bank card deposit and withdrawal transaction statement, is a list of deposit and withdrawal transactions in the applicant's bank account for a period of time (usually nearly 6 months). Including salary, card deposit, existing, transfer, payment, card withdrawal, transfer and so on. If it is a loan to buy a house, the bank will focus on the borrower's repayment ability. Generally, the borrower's monthly income is required to be more than 2.2 times of the monthly payment. In addition to the proof of income, it must also be reflected in the bank's running bill. What banks mainly value is the amount of deposits, especially the salary part of the bank's running water, as well as the existing and transferred cash flow.

1. It is invalid to flow back and forth between bank cards under your own name. For example, from CCB to China Merchants Bank card, 30,000 yuan, this transfer and income is invalid.

2. Wages are mobile. The fixed income for a fixed period of time every month is only valid if there is the word "salary" in the remarks.

3, the more money in the bank card, the better, income > expenditure, and deposits all the year round. It is best not to withdraw the money deposited in the bank at once. Lump sum deposit and withdrawal is not running water, but is ineffective in the eyes of most banks.

The above is how to see if the bank's running water is enough. In short, there is a fixed income every month. The higher the better, the longer the duration.

：

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks. Simply put, everyone will basically have a bank card or passbook, and the deposit and withdrawal transactions of the current account in the card are recorded in his name. When applying for a loan, you need to print the bank running records of the last six months or a year, which are divided into personal running water and enterprise running water according to the nature of the account.

1, cross-line printing is impossible. For example, if you build a bank card, you can't go to China Merchants Bank to print it. According to the bank to which your bank card belongs, go to the bank to print the running record, and remember to stamp it.

2. Self-service printing. Now many banks have self-service machines, which can print credit reports, bank running water and other materials without queuing for printing.

Housing mortgage loan, how much does the bank flow?

First, housing mortgage loans need to provide bank flow for nearly half a year.

2. Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. Ordinary office workers are personal running water, while small and medium-sized business owners and self-employed individuals are public running water.

Three, the requirements of the mortgage bank flow:

1. For the working class, the bank will mainly look at the salary flow, monthly account balance and daily average account balance.

2. For small and medium-sized business owners and self-employed, the bank will mainly check the borrower's entry-exit account and time deposit balance.

3. The requirements in the bank flow can reflect that there is a relatively stable entry at a fixed time every month; At the same time, the monthly income needs of families reflected in the running water of banks are more than twice that of monthly payments.

Extended data:

Application conditions

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.