What is the proof of income?
Income certificate refers to the personal income certificate issued by the lender company, which is valid only after being stamped with the official seal of the unit. The first condition for a bank to judge whether you are eligible for a loan is to look at your personal income. Generally speaking, monthly income is the most basic condition. If the monthly income is low, it is more difficult to get a loan. In addition, the ability to upload or submit the semi-annual income certificate printed by the bank is a weapon for successful loan application. If your occupation is not fixed, you can also save cash for more than half a year, and it will also be recognized by some financial institutions.
What is the function of proof of income?
Complete, true and reliable proof of wage income is one of the important basis for personal loan credit acceptance investigation and approval decision. Banks mainly judge the rationality of the borrower's current income and the influence of future industry development on the income level through the information of the borrower's age, education, working years, occupation and working years.
What is bank running water?
Bank running water refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), also known as bank card deposit and withdrawal transaction statement. Simply put, it is the bank card transaction list formed by every deposit and withdrawal, consumption and transfer information on your bank card, which is the bank flow. Bank traffic can be divided into personal traffic and enterprise traffic according to the nature of users. Generally speaking, the tap water of ordinary office workers is personal tap water, while the tap water of some small and medium-sized business owners and individual merchants is public tap water. Among them, personal mobility includes three forms: wage mobility, transfer mobility and self-storage mobility. What is convincing, of course, is that wages are flowing.
What is the function of bank running water?
When the lender issues a loan, the bank can check whether the individual has a stable income and whether he has the ability to repay the loan through running water. Generally speaking, for ordinary wage earners, the bank will mainly look at your salary flow, monthly account balance and daily average account balance, and measure whether you have enough repayment ability through this series of information.
How to treat the flowing water of banks?
1, depending on whether the income is up to standard; In order to prevent non-performing loans, banks will make clear requirements on the lower income limit of borrowers. If the loan bank clearly stipulates that only loan applications with a punch of more than 4,000 yuan are accepted, and your bank only presents them, then the average income in the recent period is only 3,000 yuan. Then I'm afraid your loan application will have to be rejected. Of course, you can apply for loans from other institutions with low income thresholds.
2. See if the time is in compliance; Bank flow will definitely use the last three or six months, such as the last six months of bank wages. The purpose is to evaluate the stability of your work and the sustainability of repayment sources. In the final analysis, it is to ensure the controllability of capital risks. Usually you get the bank flow, and the staff will check whether you are satisfied with the time.
3. See if the running water is fraudulent; Many people submit fake bank accounts because they can't provide the bank accounts required by the bank. However, don't think that banks are blind, deaf and brainless fools. Even if the fake bank flow is no different from the real bank flow, as long as you make a phone call to check with your payroll bank, the fraud will be broken.
How to open the income certificate?
1. Each bank has different requirements for proof of income. Some banks have a unified format, while others don't. Please ask the loan bank. If there is a uniform format, ask them to give you one. If not, write down the income clearly.
2. The income certificate is generally issued by the personnel department or the financial department of the unit and stamped with the official seal.
3. The income must be at least twice the monthly payment. Of course, the more the better. The higher the income, the higher the possibility of bank loan approval.
Generally speaking, no matter the income certificate or the bank's running water, as long as it does not meet the bank's standards, it will be refused loans. It should be noted that in order to meet the requirements of bank loans, income is more than double that of liabilities.