1. Generally speaking, when buying a house loan, the borrower will be required to provide the bank flow for more than half a year (including half a year). Sometimes it may only take about 3 months for the bank to run smoothly.

2. Different banks have different regulations on the time requirement of bank flow. The specific data may vary from person to person, and different people may be different. When handling mortgage loans, you can ask the bank staff, subject to the bank staff's reply.

3. Banks that fail to meet this requirement may not be unable to apply for mortgage. If the income reflected by a single bank card is low, the borrower can provide the running water of multiple bank cards under his name. In addition, try not to withdraw all the funds from the card at a fixed time every month, so that the bank will think that you have a fixed large expenditure, which will affect your assessment of repayment ability. The monthly income needs of families reflected by the running water of banks are more than twice that of monthly mortgages.

Extended data

Bank flow and its solution;

1. Married people can provide running water for both husband and wife.

Xiao Li's monthly punch card salary is 1000 yuan, and the monthly mortgage is 6000 yuan. According to the requirements of the bank, the monthly income is greater than or equal to the monthly mortgage payment X2, and Xiao Li's monthly salary should reach at least1.2000 yuan, while Xiao Li's wife Xiaoli's monthly punch card salary is 9000 yuan, and the monthly running water of husband and wife is1.9000 yuan, which meets the requirements of the bank.

Analysis: For married people, if one party's tap water does not meet the requirements, they can provide tap water for both husband and wife, and they can also apply for loans as long as their common tap water meets the requirements.

2. Deposit a certain amount of money in the bank card.

Xiao Zhang recently changed his job. His bank card only shows the word "salary" for three months in half a year. When applying for a mortgage, in order to prove his repayment ability, Xiao Zhang deposited 200,000 yuan into the bank card at one time, and provided the income certificate of the unit. The monthly punch card salary can reach 9000 yuan, more than twice the monthly mortgage, which proves that his income is enough to repay the mortgage.

Analysis: A borrower like Xiao Changcan proves his repayment ability by depositing a certain amount into the bank card at one time and providing his own income certificate.

3. Use the deposit certificate of the provident fund or personal tax payment certificate to replace the bank flow.

Huang Xiao wants to apply for a mortgage, and the bank requires running water, but her monthly salary is discovery money, so she can't provide running water, but Xiao Huang pays the provident fund, individual tax and social security on time every month. Some banks agreed to replace the bank flow with "personal tax payment certificate, provident fund deposit certificate and personal social security certificate".

Analysis: Personal tax payment certificate and social security certificate replace bank flow, provided that they are issued at the same fixed time every month to prove that the borrower has a stable and fixed income. At the same time, not all banks can do this and need to consult banks more.

4. Provide guarantees that meet the loan requirements.

There is also a property under Lao Zhang's name, which was bought in full before. Although his monthly income is not much, his bonus at the end of the year is considerable. Lao Zhang now wants to apply for a loan to buy another suite, but it is difficult for him to buy a house because his punch card salary does not meet the requirements and his daughter-in-law has no job and can't provide him with the usual running water.

Analysis: Some banks allow borrowers to provide valid guarantee certificates, plus income certificates issued by the unit. If they can prove that their overall repayment ability meets the requirements, they will also lend. However, due to different banking policies, it does not apply to all banks.

5. Increase the down payment and reduce the loan amount.

Xiao Liu wants to apply for a loan. He has just worked for less than half a year, and his monthly punch card salary is 5000 yuan. He is single and has no other valid proof to prove his repayment ability.

Analysis: 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.

Summary: Due to the differences between local and bank policies, it is best for borrowers to consult local loan banks in advance, understand the loan policies in time, and choose appropriate solutions according to their actual conditions.

Second, the mortgage has been flowing for several months.

Generally, the loan amount is not very large, so you won't look at the running water. You just need proof of income. Speaking of large loans, let's look back at 12 months of running water ~

3. How many months does it take for the mortgage bank to run the bill?

The daily account of the mortgage bank takes half a year or a year. Bank flow must be stable and continuous, otherwise it does not meet the requirements. If the flow of water in the bank is interrupted for a month, but the flow is continuous and stable, the water is intermittent, and the amount varies greatly.

Therefore, those who intend to apply for a mortgage should prepare their own bank flow.

I want to buy a house with a loan. Does the mortgage need half a year's bank flow?

Yes, it takes six months of bank flow. Generally, it is to prove your income, and the bank will judge your loan qualification accordingly to see if you have the repayment ability.

# Bank running water is not enough, common methods:

1. If the running water is insufficient, it is not impossible. If the running water is insufficient, you can ask the company to issue an income certificate to make up for it, for example, explaining that other benefits or bonuses of the company are paid in cash.

2. In addition, if you are a husband and wife, you can provide both husband and wife with common water. If you are a single person who is eager to buy a house, you can let your parents as co-repayers as proof of applying for a loan, and so on.

3. The amount of mortgage can be said to be a topic that needs more attention recently, especially in the case of economic downturn, banks will be more strict with it.

# To apply for a mortgage, the requirements for bank flow are as follows:

1. Bank running water is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement, which refers to the list of deposit and withdrawal business transactions between the borrower and the bank within a period of time (generally nearly 6 months). Including salary, card deposit, existing, transfer, payment, card refund, transfer and so on.

2. When buying a house with a loan, the bank will ask the buyers to provide the bank running water for nearly 6 months, and ask the family income to be more than twice the monthly payment. So be sure to choose the bank savings account that you often use and have the largest flow to print the flow. For the working class, the bank will mainly look at your salary flow, monthly account balance and daily average account balance.

3. It is best to explain that there is a relatively stable entry in the bank flow at a fixed time every month.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!