The loan records between individuals and banks reflect the basic situation of past business dealings, that is, personal credit reports. If an individual does not have a credit report, it is difficult to get a loan from a bank.
Bank running water is a transaction detail, and a transaction represents a running water. Thereby generating a unique serial number. The main purpose of a daily account required by a bank is whether you have a fixed income every month, or whether your income source is regularly deposited in the form of bank deposits.
To apply for a loan, a "bank statement" must be issued.
At the beginning of the new year, the loan policy is still tight, and banks have introduced new regulations. It depends on the flow of funds on the salary card. To apply for a loan, you must open a bank account.
At present, it is still difficult to apply for loans from commercial banks, especially mortgages. The applicant must issue a bank account with an income account of more than three months. This new regulation "intercepted" 30% of buyers.
After the end of "5438+ 10" in June 2007, major commercial banks began to tighten "monetary policy". At first, buyers thought that bank loans would be "relaxed" in early 2008, but they learned from entrusted lending institutions such as Huarong Bao Tong and Jia Wei Anjie that this was not the case.
At present, the strict examination and approval of loans by banks is mainly manifested in the assessment of personal credit.
Many banks, such as ICBC, CCB, Bank of Beijing and Shanghai Pudong Development Bank, have confirmed that to apply for a loan now, the applicant should not only provide proof of income, credit record, company and education. You must also submit your own bank account to the bank, that is, the receipt of the inflow and outflow of funds on the salary card.
In the past, the bank only audited the bank's running water for applicants with excessive income on the income certificate, but recently almost all applicants have to submit it. This measure is mainly to prevent lenders from providing false income certificates and reduce bank risks.
The person in charge said that since the implementation of this regulation, 30% of borrowers have been affected to varying degrees. As the time for collecting loan application materials has become longer, the time for approving loans has been delayed accordingly, and half of mortgage applicants can't get loans at all.