1. loan type: different types of loans may have different requirements for bank flow. For example, housing loans usually require higher bank liquidity.
2. Credit rating: The applicant's credit rating will affect the bank's judgment on its repayment ability. A lower credit rating may require more bank funds to prove a stable source of income.
3. Repayment period: Long-term loans (such as housing loans) may need more bank flow to prove their sustainable income and repayment ability.
4. Other proof of income: In addition to the bank flow, other proof of income can be provided to support the loan application, such as payroll and tax bill.
Summary:
How much bank liquidity is needed depends on many factors, including loan type, credit rating, repayment period and so on. It is recommended to communicate directly with banks or financial institutions to obtain accurate information.
Extended data:
Banks usually consider many factors when approving loans, among which bank flow is one of the important basis for evaluating the income stability and repayment ability of applicants. Bank flow refers to the applicant's bank transaction records in the past period of time. By analyzing the transaction amount and frequency, the bank can know the source of income and expenditure of the applicant. For larger loans, it is usually necessary to provide more bank flow to prove stable cash flow.