How to get mortgage payment for buying a house
In the current real estate market, home purchase mortgage is the preferred method for most home buyers. However, when banks approve mortgage loans, they usually require applicants to provide detailed bank statements to prove their repayment ability. So, how do you get the mortgage payment for buying a house? This article will give you detailed answers and provide structured data to help you understand better.
1. What is mortgage flow?
Mortgage history refers to the bank account transaction records that banks require applicants to provide in the past 6 to 12 months, which are used to evaluate the applicant's income stability, repayment ability, and capital flow. Bank statements usually include salary income, transfer records, consumer expenditures, etc.
2. Mortgage flow requirements
Bank mortgage flow requirements vary from bank to bank, but generally include the following:
| request | Description |
|---|---|
| Running time | Current records from the past 6 months to 12 months |
| Turnover amount | Monthly income must cover more than 2 times of monthly payment |
| Pipeline type | Salary flow, transfer flow, self-storage flow, etc. |
| Authenticity of running water | Requires bank seal and cannot be forged |
3. How to prepare mortgage payments?
1.salary flow: If you are a salaryman, your salary flow is the most direct proof. Ensure that wages are paid into the bank account on time and keep complete transaction records.
2.Transfer flow: If you are a freelancer or self-employed, you can simulate salary flow through regular transfers. However, it should be noted that the transfer flow must have a reasonable source explanation.
3.Self-storage running water: Some banks allow self-deposit, that is, the applicant deposits a fixed amount into the account regularly. However, you need to confirm with the bank in advance whether it accepts this type of transaction.
4.Avoid large transactions: Banks will pay attention to large-amount fund flows in accounts, and frequent large-amount inflows and outflows may be regarded as unstable factors.
4. Frequently Asked Questions
| question | Answer |
|---|---|
| What should I do if there is insufficient water flow? | Other income proof can be provided, such as part-time income, rental income, etc. |
| Can running water be faked? | Absolutely not! The bank will verify the authenticity of the statement, and fraud may result in loan rejection. |
| Does the running water need to be stamped? | Yes, the bank statement needs to be confirmed by the bank's seal |
5. Suggestions for optimizing mortgage flow
1.Plan ahead: If you plan to apply for a mortgage loan in the next six months, it is recommended to plan your flow in advance to ensure a stable flow of funds in your account.
2.diversified income: In addition to salary flow, you can also provide proof of other sources of income, such as investment income, rental income, etc.
3.avoid frequent changes: Maintain the stability of your account and avoid frequent large fund changes.
6. Summary
House purchase mortgage transaction history is an important basis for banks to approve loans. Well-prepared transaction records can greatly improve the loan success rate. This article provides you with mortgage payment requirements, preparation methods and answers to frequently asked questions, hoping to help you successfully pass bank approval and realize your dream of buying a house.
If you have other questions, it is recommended to consult a professional loan consultant or bank staff for more detailed guidance.
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