Does the mortgage flow from your own card to your own card? If the running water provided by the housing loan is transferred from another card, I'm afraid it won't work, and it can't be regarded as reasonable running water at all. In particular, most of the types of running water that are transferred out immediately after deposit (that is, deposits and withdrawals) will be judged as invalid running water by banks immediately, which can not accurately reflect the benefits of customers' economic development and are likely to be granted mortgage loans.

I suggest that when you apply for a housing loan, you'd better prepare a bank account with the word "salary" in advance, so as to fully reflect your economic development salary level and facilitate the mortgage review.

Even if you make your own running water, try not to save it and turn it right away. It is best to keep it for a period of time (24 hours is recommended) before the actual transfer. It is also necessary to insist that there is a quota for deposits on each fixed date for a period of time, and the transfer quota is superior to the deposit quota to ensure that the credit card account balance is sufficient. This running water may have some practical effects.

Naturally, bank flow is not unique. Customers can also give large deposits, social security payment certificates, provident fund deposit certificates and personal tax payment certificates instead of bank running water.

Will the bank check the income certificate of the house loan? (1) The bank will not check the income certificate, and the bank can find out the authenticity of the income certificate. When a bank applies for a loan to buy a house, it will check the lender's income certificate. If it is housing loan verification, the scope will be larger. If it is a general loan, the scope of verification will be smaller.

(2) The bank can contact the relevant personnel of the borrower's unit through WeChat to check the income certificate; Judging the authenticity of the income certificate according to the applicant's social security deposit record and provident fund deposit record; The bank's enterprise credit line is an important way to verify the authenticity of income proof.

(3) The bank card can check the monthly tax payment of the lender, which is also one of the important ways for the bank to verify the income certificate; When checking the lender's income certificate, the bank will continue to refer to the applicant's bank flow data information.

(4) It is a key step for the bank to check the income certificate of the loan applicant. Therefore, the applicant must make a statement according to the plan and must not be selfish.