Generally, a mortgage loan requires half a year or more of a year's salary. Different banks have different regulations. You should check the specific requirements of the bank you are applying for the loan. Usually mortgage bank statements are printed for half a year, and banks use the statement data to evaluate an individual's financial strength and loan repayment ability.

Can bank statements be faked

1. Friends who have had loan experience all know that bank statements are an important reference material for loans and play an important role in the loan. It is also the bank’s The important nature of turnover is that many banks have started to commit fraud when their turnover is low. There are also many guarantee companies that claim to be able to handle turnover for a fee, but it is also common to use false materials to apply for loans, which looks very confusing. It is efficient, but the risk is also very high. Once verified by the bank, the loan will be directly rejected and will be added to the blacklist, making it difficult to apply for loans in the future.

2. The so-called bank statement refers to the bank card or passbook deposit and withdrawal statement. Not any bank statement can be recognized by the lending institution. If there is a credit card statement, it cannot be used to apply for a loan, because this type of statement cannot be used to apply for a loan. The transaction status mainly refers to the status of credit card transactions. The credit card transaction status reflects the expenditure status. The lending institution needs to see whether there is income status. Therefore, effective bank statements must have bank statements for the past six months, which are continuous and stable, and monthly income must be greater than twice the monthly repayment amount.

What kind of flow is better

There are three types of flow recognized by banks, including salary flow, transfer flow and self-deposit flow.

Among them, salary flow is the best, because salary flow is equivalent to personal income certificate, which can better reflect the stability and security of the lender.

If the salary flow is not enough, you can also transfer the flow to save the flow. However, there are requirements for the transferor. It must be an immediate relative of the borrower, and the other party must provide the transfer bank card slip. Of course, the lender can also Deposit money into your bank card and make transactions.

It should be noted that no matter what kind of flow, there must be continuity first, there must be no interruption in the middle, and the time and amount are still fixed. The key is that recurring interest accrues overnight, and the funds in the bank card can be paid in the middle, but the account must always have money. For example, if the last amount of money is almost used up and the second amount of money is deposited, this situation is better.