Do my parents transfer money to me every month?

Hello, yes, the parents are immediate family members, and the transfer is a running water, or it is okay to borrow a large amount of money directly from you. Some loans also require proof of employment and a breakdown of social security contributions.

As long as the parents who buy the house can operate for a long time, your parents' remittance can be counted as your flow, but it will take at least half a year or more for long-term operation.

Regarding the determination of the mortgage loan flow for the purchase of a house, the following three conditions can be met:

For wage earners, banks mainly look at the salary flow, monthly account balance and average daily balance of the account;

For owners of small and medium-sized enterprises and self-employed owners, banks will mainly check the borrower's incoming and outgoing accounts, fixed deposit balances, etc.;

The bank statement is required to reflect that there is a relatively stable entry at a fixed time every month.

For example, the salary flow of your normal work cannot be said to be used as a flow of money to yourself, so the bank can be checked.

Of course you can, your parents transfer you money, and that's your money every month. As long as you have so much money in and out of your bank account, you can take out a loan, which proves that you have the ability to repay.

For a house loan, your parents can transfer your bank card every month as a running water. As long as you have a transfer record on your bank card, you'll be fine.

If you need a loan to buy a house, you should provide the bank with a flow of your normal work income.

If you buy a house, your parents will keep it for you every month. The transfer is also very good, indicating that the ability of the parents is still very strong.

This is also okay, the bank does not stipulate what kind of money you can do as a turnover, so the transfer can also be used as a turnover.

No, your monthly loan statement can be used as evidence.

If I help my parents transfer money to me every month, will it be a running water? Generally speaking, you have to be running water, I think it's not good, as a parent, it's all your own.

There is no current account for the mortgage, and it is okay for the parents to be the co-repayer, but they also need to have their own current account, because I am the main repayer.

A home loan, also known as a home mortgage. A mortgage is an application for a mortgage loan that the buyer fills in with the bank and provides legal documents such as ID card, income certificate, house sales contract, guarantee, etc. Hope.

If you take out a loan to buy a house by yourself, you don't need your parents' bank statement, and the general situation is that whoever writes your name on the real estate certificate and who takes out a loan needs someone's bank statement.

If it's your parents who need their bank statement when they go to take out a loan to buy a house. If you take out a loan to buy a house in your name, you don't need your parents' bank statement.

As long as you don't need your parents to help you, you still call you, as long as you don't need your parents to help you and still call you, you don't need your parents, as long as you don't use it, your parents help you pay him back, you don't need your parents' bank statement.

In fact, under normal circumstances, if you take out a loan to buy a house by yourself, of course, you don't need your parents' flow, but if you take out a loan to buy a house in the name of your parents, of course, you need your parents' flow, so you can ask which reason it belongs to in this case.

Generally, the main borrower and co-owner of the loan are not needed, but if the income is not enough, you can find a guarantor, which may be required.

If you buy a house, your parents don't need their bank statements without using their CPF.

Loans to buy a house generally do not require their parents' bank statements, and the lender's own statement should be submitted.

Loans to buy a house require bank statements can also provide financial transaction flows, salary card flows, the key is to see how much money is borrowed, and how is the credit history. If you have a running record, you have to submit it to your parents.

The company's salary is found, planting, breeding, and opening its own store are all cash transactions, there is no commonly used bank card, and there is no bank transaction details of the flow account, can you apply for car installment payment normally without flow?

These situations are very normal, the procedures for taking out a loan to buy a car, in fact, there are information that replaces each other, otherwise, the bank will also lose a lot of high-quality customers, and the bank flow can provide the following kinds of information to replace:

1. Commonly used passbooks can replace bank statements;

2. Certificates of deposit for fixed term or fixed life can replace bank statements;

3. In some large enterprises, the salary will be paid to the internal salary card, but there is no detailed record in the bank, as long as the details in the card can be printed, there is the company's seal, and then with the work card, salary slips can also be;

4. The running water in the name of the husband and wife can be shared, which can prove the ability of the husband and wife to repay, and the bank and the auto finance company are recognized;

5. The bank flow between father and son can also be used. For example, if the son takes out a loan to buy a car and does not have a running bank, he can provide the father's common flow of money as a co-borrower or guarantor;

6. If you have a business license for your own business, as long as it is within the validity period, you can replace the commonly used flow of money with the commonly used incoming and outgoing bills, shipping bills, and business-related documents;

It dependsIf the parents transfer a fixed amount of money at a fixed time every month, then it can be used as a bank statement. However, if it is only an occasional transfer, or the transfer time is not fixed, and the amount of the transfer branch is not fixed, this situation cannot be used as a bank statement, even if the transfer record is printed, the bank does not recognize this bank statement.

Generally speaking, the general bank flow requires stable and continuous, otherwise it is an unqualified bank statement. Moreover, for banks, it is not possible to have less funds in the bank, which means that Minna users do not have the ability to repay principal and interest.

Related introductions

1. It's not that if you have a transfer, you will have a flow, which is probably a misunderstanding for many people. According to the bank's regulations, the turnover must be a bank transfer to be considered a turnover and be paid through a third party.

or Alipay is counted as turnover, but for third-party platforms, lending to you will be turnover. After all, you apply for a loan from the bank, and the bank of course counts according to its own standards.

2. The bank looks at the transfer situation, mainly to see the size of the amount, if it is too small, it will not be counted in the running water.

3. Because not everyone has had financial transactions with strangers, there is a problem involved

1) If the parents transfer a fixed amount of money at a fixed time every month, then it can be used as a bank statement. However, if it is only an occasional transfer, or the transfer time is not fixed and the transfer amount is not fixed, this situation cannot be used as a bank statement, even if the transfer record is printed, the bank does not recognize this bank statement. Generally speaking, the general bank flow requires stable and continuous, otherwise it is an unqualified bank statement.

2) Immediate family members.

The transfer of funds can be counted as entering the flow, but there are also standards, that is, it must be fixed, and the amount is fixed, which can be counted as the flow of money.

This involves the specific flow of funds of the immediate family, which is deposited in the bank through bank accounts, bank cards or deposit and tie passbooks.

Withdrawals, transfers (remittances, transfers out), records of shopping mall consumption cards, etc., are arranged one by one in chronological order, commonly known as running accounts.

It's okay to have no ** like this for the time being. When the time comes, you should stand on your own and return your own milk. That mortgage.

It's up to your parents to decide whether it's okay or not, and if they're willing to help you pay off your mortgage, that's fine.

Summary. A qualified turnover should have a fixed income every month, and transfer funds from different companies or individuals to your bank card.

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It's useless, the bank asks you to provide the bank statement of the salary card.

The main thing to look at is your stable income.

Parental transfers do not represent your ability to repay. The bank payroll card statement mainly assesses your ability to repay.

Secondly, the mortgage is checked for half a year.

Assess whether you have the ability to repay and also look at the amount of transaction capital in your bank. If your parents transfer money to you, this will not be recognized by the general bank.

A qualified turnover should have a fixed income every month, and transfer funds from different companies or individuals to your bank card.

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Loans to buy a house generally do not require the parents' bank statement, and the lender's own statement should be submitted.

What you need to prepare to apply for a mortgage:

1. ID card of myself and my spouse, household registration book of myself and my spouse (the home page, personal page, and addition and deletion pages of the household registration book are required);

2. Marriage certificate (unmarried to provide unmarried certificate);

3. Proof of fixed economic income (preferably one for both husband and wife).

Introduction to Mortgages: Mortgages, also known as mortgages. The mortgage is the application for a mortgage loan that the buyer fills in with the bank, and provides legal documents such as ID card, income certificate, house sales contract, guarantee, etc. The bank transfers the funds directly to the account of the selling unit within the period specified in the contract.

There are ways to take out a home loan:

Bank commercial round loans, provident fund loans, portfolio loans.

Is it okay to take out a loan to buy a house, and the bank flow regularly sends money to the card every month as proof of income?

In the past, only the income certificate issued by the unit was required to buy a house, but now most banks need to provide your bank statement as auxiliary materials to prove that the income certificate you said is reliable and not false, because the bank transfer statement is the most real data.

Loans to buy a house generally need to provide about half a year of bank statement, that is, the inflow and outflow of your account. If the unit is more formal, it is often paid at a fixed time every month, and most of the units will also indicate that it is "salary on behalf of the salary", such a bank flow is very welcome by the bank, and the details of funds and types of funds are clearly displayed.

However, some units, especially some start-up companies in recent years, pay wages more casually, some through bank transfers, maybe the boss's personal account transfer, some even find money, or through Alipay, WeChat transfer. This leads to the lack of bank statements. Therefore, the subject's question clearly falls into this category.

So, to ensure that there is a running water, you have to deposit money into the card yourself, however, does this work? The answer is yes, but there are some requirements.

Deposit money into the card yourself, try to save it at a fixed time every month, and the amount is roughly close, so that it feels like the company is paying you a salary. Of course, it was originally a salary, but the difference was that the cash was deposited by yourself. But be careful, don't deposit it today, pick it all up tomorrow, or transfer it all in two days.

If the funds stay in the bank account for a very short time, there is a suspicion of "running water". The bank has the right not to lend to you. Therefore, it is recommended to keep the funds in the account for a period of time, such as half a month.