Does anyone know the proof of income from buying a house and packing it? Does Liushui have to be in the same company as Social Security?

Buying a house mortgage seems simple on the surface. Just collect all the information and give it to the bank account manager. But if you are familiar with mortgage, you will find that there are many technical things in it. You should work hard on the details so that you can apply for mortgage better.

Banks judge the risk of lending by considering your indicators comprehensively according to your credit information, running water and income certificate.

Here you have two questions. One question is whether tap water needs to be packaged, and the other question is whether tap water and social security are in the same company. Here, I will answer this question alone.

Whether to buy a house with running water and income packaging proves that the bank running water packaging mentioned here includes two aspects, and different packaging has different effects.

(1), real water packaging

The real living water package here means that you should prepare the living water in the bank before you decide to buy a house. For example, you can add the flow of several bank cards to one bank card, so that the bank can see your flow clearly.

In order to increase the flow, you can also ask the company to increase the flow for your bank card through the company account when you pay your salary, so that it is easier for you to pass the bank's audit when you make a mortgage (the company may not want to, depending on how you communicate with the company).

In short, in order to better pass the bank's mortgage loan application, you should make all kinds of preparations for your running water six months in advance. This running water is real and effective, and the bank will not refuse this running water.

(2), counterfeit water packaging

This kind of fake water packaging is what some financial intermediaries or witnesses often say. To put it more clearly, it is to ask someone to make a fake running water and make up some running water. This kind of bank staff knew at a glance that it was fake and could not achieve the purpose of packaging.

The packing flow you mentioned here is usually the second case, which is to let people print a fake bank flow to meet the bank's demand for flow. This flow packaging is not recommended.

If your bank has insufficient running water, you can increase the down payment, find a guarantor or guarantee property to solve the problem of insufficient running water, and you must not use fake running water to pay back the bank.

As for whether the income certificate needs to be packaged, it depends on how many loans you apply for. If your monthly payment is relatively large, you will be asked to issue a proof of income. This income can be properly packaged. But the bank pays more attention to your running water. If there is more running water, the proof of income is of little significance.

Whether running water and social security need to be in the same company depends on what kind of running water it is.

If your running water refers to wages, then running water must be in the same company as social security. Only the company where you work will pay you, and only the company where you work will pay you social security.

If your running water is other running water, such as your second job income, your income from driving a drip cart, your income from setting up a stall in your spare time, and your writing fee, these running water don't have to be in the same company as social security, or there may be no company. Running water is just a current account.

How to judge whether to run wages? Bank staff are very experienced in this field. The salary flow is generally a relatively fixed time flow, and this flow often has salary comments in the summary column; And your other income is not necessarily a fixed time, but may be running water at an uncertain time. The information in the remarks column will not be recorded in detail.

From the above analysis,

You should abandon the flow of financial intermediary packaging. In order to improve the mortgage approval, you should improve your bank flow six months in advance, instead of temporarily printing fake bank flow.

Generally speaking, proof of work is not very important. For example, if you pay more than 10,000 yuan a month, and Chongqing generally requires more than 6,000 yuan a month, you are required to issue an income certificate. At this time, it is ok to properly package the income certificate, but the bank is more interested in your bank flow.

Of course, this is also my personal opinion, for reference only. Welcome everyone to leave a message on this issue below, express their views and opinions, and exchange and learn from each other.

I don't know how to install tap water. I suggest not to install it. Regardless of installment or down payment, don't buy a house if you can afford it unless you want to be a house slave. The terrible thing is that if you have a house, you can't even feel at ease. It will be heartbreaking to have a little trouble in the economy in the future! !

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