How to borrow money to buy a house?

Although many citizens don't have enough wealth to buy a house directly at present, they can also buy it through loans if they have expected income. Because banks are the guarantee to help citizens buy houses by stages, in order to ensure that institutions don't lose money, they may carefully check the daily accounts of citizens before approval. This is basically what banks will do. Citizens only need to provide relevant asset certification information in time to avoid many disputes caused by running accounts. Let's take a look at the specific content. First, how to buy a house with a loan? This is not a prerequisite, but an element to prove repayment ability. If you have a social security card, provident fund card, etc. , can be submitted to the bank. If not, you can also use a bank card with your spouse's name on the marriage certificate, indicating that the family has the same repayment ability. Loans need to be prepared in four categories: personal identification: ID card, residence permit, household registration book, marriage certificate and other materials; Provide proof of stable income source: bank flow sheet, labor contract, etc. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other related certificates; Other information required by the bank. Banks that borrow money to buy a house need to check their daily accounts and follow normal procedures. Real and effective running water can be used as proof of loan information. If the tap water is insufficient, it can be solved in the following ways: for married people, if one party's tap water does not meet the requirements, it can provide tap water for both husband and wife, and as long as both husband and wife meet the requirements, they can also apply for loans. Deposit a certain amount of funds into the card, and provide the income certificate of the unit at the same time, which proves that the lender's income is enough to repay the mortgage, gain the trust of the bank and meet the loan conditions. Use the certificate of provident fund deposit or personal tax payment certificate to replace the bank flow, and some banks agree to use "personal tax payment certificate, provident fund deposit certificate and personal social security certificate" to replace the bank flow. Some banks allow borrowers to provide valid guarantee certificates, plus income certificates issued by units, and will lend if they can prove that their overall repayment ability meets the requirements. However, due to different banking policies, it does not apply to all banks. Increase the down payment and reduce the loan amount. If the borrower's bank flow does not meet the requirements and can't provide proof, it can only increase the down payment ratio and reduce the loan amount to his repayment ability. Note: Due to the differences between local and bank policies, borrowers should consult local loan banks in advance, understand the loan policies in time, and choose appropriate solutions according to their actual conditions. Personal tax payment certificate and social security certificate replace the running water of the bank, provided that they are issued at the same fixed time every month to prove that the borrower has a stable and fixed income. At the same time, not all banks can do this and need to consult banks more. To sum up, even loans that need to be verified by banks should be coordinated in time, because the daily accounts directly reflect whether citizens' ordinary income can repay the loan amount owed to banks in time, which is a guarantee for banks and also to protect citizens from being considered malicious deception by banks because of blind loans.