Can I save 10,000 and withdraw 10,000 yuan every month as a mortgage repayment account?

This kind of flow is meaningless, the bank looks at your flow mainly to see if there is a corresponding income?

This is not necessarily, I can find someone to transfer money to each other, and the local bank transfer is free, so you can keep as much water as you want.

I'm a credit officer, and I have a house to pull up the limit.

OK. The bank statement for taking out a loan to buy a house is the bank statement, and the bank statement can directly bring your ID card to the bank counter for inquiry. Here's how:

You need to bring your ID card, card or passbook to the non-cash business window of the bank branch to print it out by the bank staff. However, if you go to the bank for a loan, you need to stamp it at the counter. The loan must meet its conditions before it can be loaned.

Loan Application Criteria:

1. To have a fixed income, you need to see the salary details;

2. Be at least 18-65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Extended Information: Loan Application Information:

1. Lender's ID card;

2. The lender's credit information in the past six months, and the credit information is good;

3. The bank card flow in the name of the lender for nearly half a year has not been interrupted;

4. Proof of the borrower's residence permit;

5. Income certificate issued by the lender's employer;

6. Social security, insurance policy, and provident fund monthly payment can also be loaned. If you want to borrow a higher amount, you can take out a mortgage, such as a house, car, etc.

When applying for a loan, the borrower needs to prepare the documents into the following categories:

1. Personal identity certificate: ID card, residence permit, household registration book, marriage certificate and other information;

4. Other materials required by the bank. It is enough to change the loan period to 30 or 25 years, and then there will be money to repay it early, and it will be the same, and the interest will be very small.

The so-called flow includes both inflow and outflow, and the bank mainly looks at the inflow, and the inflow can be passed if it meets the standard. Of course, the less outflow, the better. First of all, you need to determine how much money you plan to make each month, and then think about doing a turnover thing.

At present, the minimum requirement of the bank for turnover is multiple of the monthly payment amount, but it is better to be more than 2 times, which will be much safer. Some banks do not approve it. For example:

If you plan to make a monthly payment of 5,000, then your bank's turnover is 5,000*2=10,000, that is, your monthly turnover must be 10,000. If you buy a house with a monthly payment of no more than 5,000, then your current turnover is no problem. If you plan to pay 6000 per month, then now your turnover is not enough.

If you want to save, or manage your finances so well, you don't value these things at all now.

No, the turnover mainly depends on the ability to repay. Generally, it takes half a year. The turnover amount is generally more than multiple of the repayment amount.

You put 10,000 yuan in the bank for about a time every month to make a deposit or two deposits, withdraw it in several installments, and deposit it next month, and go to the bank to print the bank flow after half a year in a row, which is the cash flow, and the same can be loaned.

Generally, banks require lenders to print out the bank statements for the last 3-6 months, which is actually to calculate the average monthly income capacity of the borrower, rather than to use a specific month's income as the standard.

Generally, it takes 6 months of running accounts.

The general requirement of the flow account is within half a year, there are in and out, how much is not a problem, generally more than 20,000 is a lot, the balance is not too important, as long as there is in and out.

To prove that you have this money flow, generally speaking, the bank only calculates the amount you deposit, not the balance, if you can save about 20,000 yuan every month, it should be no problem. But it also depends on what car you buy, how much it costs, and how much you pay each month.

Auto consumer loan is a new type of loan guaranteed by banks to car buyers who purchase cars at their authorized dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies to buy a car, which is actually borrowing money from a financial institution to buy a car, but the financial institution requires the car buyer to pay a certain percentage of the down payment and provide proof of repayment ability, no bad credit history, and must meet the requirements of the financial institution to apply for a loan to buy a car.