However, if your monthly salary is paid in cash, many people will find some intermediaries to fake the flow when they can't provide bank flow. In fact, using this kind of running water loan is more risky. Once the bank verifies, it will not only leave a bad credit record, but also the loan application will be rejected. ?
In fact, there is no way for people who pay their wages in cash. Now many lending institutions also accept self-preservation and self-flowing water. That is to say, the borrower deposits a fixed amount into the same account at a fixed time every month to obtain self-deposit flow, but two points should be paid attention to when depositing self-deposit flow in the bank:
1, the continuity and stability of running water must be guaranteed.
2. Self-storage flow time is at least 3-6 months.
Nine skills of buying a car with a loan and printing the running water of the bank;
1. When handling the printing flow of car loan, it must be the flow details as of the current month.
2. If the running water is less than 6 months, at least the last 3 months should be printed.
3. If the balance is too small, we suggest that you deposit some funds in the card before printing the bank flow, and the balance in the card should be close to the down payment for car purchase, which will help the loan to be approved smoothly.
4. After the bank journal is printed out, there is the amount of bank interest settlement in March, June, September, 65438+February, 2 1 every year. If it is less than one yuan, you should pay attention. Interest settlement is small, which means that when your funds are flowing, they rush in and out and stay in the account for a short time, so the interest is small. At this time, it is best to print the running water of other bank cards, or supplement the running water under your spouse's name as a bonus item.
5. Banks have a special liking for the wage flow, which can display the income level very intuitively, and pay wages on a fixed date every month, stably and continuously.
6. Friends who find a salary can make a "salary flow" by themselves. After the monthly salary is sent to them, they will first deposit it in their other cards, and then transfer it to another card through online banking transfer, and indicate the word "salary" in the summary or remarks, so that after printing it out, it can be used as their own salary.
7. As a friend of the self-employed, there will be a lot of current accounts and a good running water. But some of them are almost all cash transactions, and they don't deal with banks very much. What should we do at this time? In this case, you can use certificates of deposit instead of running water, you can also use bank running water in the name of immediate family members (parents, children), you can use certificates of deposit (not counting the deposit just now, it will take at least one month) and passbook.
8. If you really can't get running water, consider other ways, either choose a loan from a financial institution that doesn't need to provide running water, or postpone the car purchase plan for three months. You can do your own running water for the next three months, that is, you often deposit some money in the card and withdraw some money. It is best to have a part of the balance every month, and don't take it out completely and store it in the card. The monthly income of the card must be greater than the amount of the account, and at least there must be more money than the monthly payment.
9. Printing bank running water must be printed at the counter of bank outlets. The serial number, account name and card number printed by ATM are generally incomplete. If such running water is submitted to financial lending institutions, it can only be invalid and cannot be checked.