2. One-time large deposit: you can deposit a large deposit in a bank card at one time and provide financial proof to prove your repayment ability.
3. Provide other asset certificates: Lenders can also provide other large-value property certificates to banks, such as real estate, automobiles, funds and large-value insurance policies.
4. Provide proof of guarantee: Some banks allow borrowers to provide valid proof of guarantee. For example, the house is in the wife's name, but the wife has insufficient water. The husband provides a guarantee statement that if the wife fails to repay the loan in time, she is willing to take full responsibility. Coupled with the income certificates issued by both units, if they can prove that their overall repayment ability meets the requirements, they will also lend, but because of the different policies of banks, not all banks are applicable.
5. Use individual tax and social security instead: Some banks can also use personal tax payment certificate, social security certificate or provident fund payment certificate instead of bank running water, provided that they pay at the same fixed time every month to prove that borrowers have stable and fixed income. But not all banks can do this, and more banks should be consulted.
6. Increase the down payment ratio: the down payment is a little more, the loan amount is low, and the requirements for bank flow are not so high.
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