1. Can I get a loan to buy a car if I have a real estate under my name but the bank has insufficient running water?

This is not recommended. Your behavior may be suspected of loan fraud.

Crime of defrauding loans

"Whoever obtains loans, bill acceptance, letters of credit, guarantees, etc. from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or having other serious circumstances, shall be sentenced to not more than three years or criminal detention, and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to not less than three years but not more than seven years, and shall also be fined. "

In addition, those who make fake bank statements need to bear legal responsibilities.

According to Article 28 of the Criminal Law, those who forge the seals of companies, enterprises, institutions and people's organizations shall be sentenced to not more than three years, criminal detention, public surveillance or. The person who made the bank memo forged the bank seal and was suspected of forging the company seal.

actual situation

if the mortgage provided is true and sufficient, and the mortgage is repaid on schedule, the bank will generally not pursue it.

For banks, personal housing loans have real estate as collateral, which is highly secure. At the same time, banks have strong bargaining power and can continuously raise interest rates. In order to finally acquire the real estate, most mortgage borrowers will repay the loans on time. Therefore, even if fake running bills are used in the loan application stage, the risk is not great for banks. This is also the reason why some banks are not strict in reviewing the running list.

as long as the borrower repays the loan on time, it will not cause any loss to the bank. Banks require borrowers to have income and running water because of risk considerations, and ultimately to ensure repayment. "Some customers will be willing to do high bank flow in order to borrow more loans, but generally buying a house is a family behavior, and the whole family will repay the loan together, and the individual's willingness to repay the mortgage is also relatively strong. If the customer cannot repay the loan after the loan, the investigation found that it was a forged flow, that is, the investigation before the bank loan was incomplete, and the risk control was not in place.

using a fake running account to make a loan may be suspected of the crime of defrauding a loan (Article 175 of the Criminal Law) or the crime of lending (Article 193 of the Criminal Law). If the repayment is made on schedule, or the legal collateral is provided, and there is no substantial damage to the bank, it will generally not be judged as these two crimes. In most cases, if only the bank's running water is forged, but the mortgage is repaid on time, and the real estate mortgage provided at the same time is true and sufficient, the bank will generally not pursue it, as long as it continues to repay the loan.

other risks

many intermediaries and property consultants fool customers in this way, and they can give some money unconditionally. Make some fake running water for the people in the bank. Can get a loan. But the risk is that if you have already paid the house advance payment or subscription money. And then the loan fails. Cannot continue to perform the contract. You will constitute a breach of contract, and the deposit penalty will apply. Your deposit will be lost.

I have met many such victims. I hope you are not the next one.

second, can the bank make a loan if the running water is not enough?

The bank can make a loan if the running water is not enough. Generally, to apply for a bank loan, the borrower's monthly average bank flow must be more than twice the monthly payment in the last six months before he can pass the examination. However, if the borrower can provide other materials to prove that he has repayment ability, he can still apply for a bank loan. The following are some ways to solve the problem of insufficient bank flow to apply for a loan:

1. Provide * * with the borrower: If the personal bank flow cannot meet the requirements for applying for a loan, Can provide immediate family members as * * * borrowers, and at the same time provide * * * with the borrower's bank running water, two people's bank running water can basically meet the requirements of bank approval for running water;

2. Providing effective guarantee and mortgage: The borrower can generally apply for a loan if he provides effective guarantee certificate and income certificate issued by the unit, if he can prove that his overall repayment ability meets the requirements, for example, taking the existing property under his name as mortgage guarantee;

3. Provide proof of property: If the bank has insufficient running water, the borrower can provide other proof of property to the bank, such as funds, bonds, real estate, car products, etc., as long as he can prove to the bank that he has repayment ability.

Third, the bank's running water is not enough. Can you mortgage a loan?

On the one hand, you can provide a large amount of property or deposits in your bank account at the same time. The purpose of the bank's doing this is nothing more than to doubt the individual's repayment ability, so as long as it can prove the repayment ability, it is ok. The lack of running water in the housing loan bank can also extend the loan life, increase the down payment and reduce the loan amount.

fourth, can I get a loan if the bank is running for less than half a year?

the bank running water can be printed there, and it is only an auxiliary proof to prove the lender's repayment ability and assets. It is important for the lender to meet the requirements of the lending bank, such as local social security certificate or tax payment certificate, and income certificate of repayment ability.