First of all, in terms of the amount of running water in the bank, it is best to be more than 3,000 yuan, and it is best to be more than twice the monthly payment. At present, most banks require individuals to earn more than 4,000 yuan a month, but there are differences in different regions. Generally, they can apply for more than 3000 yuan.

Secondly, the bank flow needs to be stable, and the more stable it is, the more credible it is. Many people think that the higher the better. Before applying for unsecured loans, they suddenly put a lot of money into their accounts, thinking that this is good for applying for loans. But this is wrong. The bank hopes that the borrower's bank flow is reasonable and stable. If the fluctuation is inconsistent with the borrower's income, the bank may not recognize it.

In addition, when a bank applies for an unsecured loan, it is best to show the income certificate issued by the unit and affix the official seal of the unit while providing bank running water. This will have a positive impact on applying for unsecured loans. One thing to remember is that stable, continuous and sufficient bank flow is the best bank flow.