Bank running bill, also known as bank account transaction bill, is simply a detailed record list of deposit withdrawal business with banks in a period of time. What's the use of bank statements? Let Bian Xiao, the muscle head, answer for you!

When handling mortgage, car loan, credit card, visa and other scenarios, you need to submit a personal bank running bill. Then why do you want to look at your bank? The main purpose is to look at income and consumption and estimate the income and consumption level.

Take housing loan as an example. No matter which bank handles the housing loan, it needs to submit a personal bank account for 3-6 months. The bank evaluates your financial situation and repayment ability according to the banking process you submitted, and decides not to give you a loan. You'd better optimize your account before applying for a housing loan. A high-quality bank account has a stable income at a fixed time every month, and the monthly income of a family is preferably twice that of a mortgage.

So the bank flow can estimate a person's income and consumption level. Friends who need to apply for mortgage, car loan, credit card and visa. Bank flow should not be ignored, and it is best for bank flow to have fixed, continuous and stable receipts. If you need to submit a bank account when applying for a loan, don't try to forge a bank account. If the circumstances are serious, it is suspected of fraudulent loans and needs to bear legal responsibility.