1, and it takes more than six months for self-storage running water;
2, a stable source of income, and can provide the corresponding source of income documents;
3. Good credit and no bad credit record in the near future;
4. Other preconditions required by the lending institution.
The above is the relevant content of whether a bank can get a loan if it has a deposit.
Can't I withdraw my bank deposit?
Bank time deposits can be withdrawn without the user himself, but if they are not withdrawn in advance, the process will be more complicated, and it is necessary to carry the power of attorney, the original ID card and the account book information. If the time deposit expires, you only need to provide the depositor's ID card, deposit certificate, original ID card and password to withdraw it.
Is there a limit for bank card deposits?
There are no restrictions on bank card deposits, but pay attention to whether it is a first-class card or a second-class card. First-class cards are not limited. The daily limit of the second-class card is 10000 yuan, and the annual limit is 200000 yuan. A bank can only handle one bank card. You don't need an ID card to withdraw money from a bank below 50,000 yuan, but you can bring a bank card. If you deposit more than 50,000 yuan, you need an ID card and a bank card to handle the deposit procedures. Small loans can be deposited in ATM machines.
What are the risks of bank time deposits?
1. Risk of principal and interest damage: This risk is only for depositors whose total savings principal and interest exceeds 500,000. According to the requirements of the Savings Insurance Regulations, when the user's principal and interest are less than 500,000, the bank can pay in full. Even if the bank goes bankrupt, money with principal and interest less than 500 thousand can be absolutely safe. However, if the depositor's regular principal and interest exceeds RMB 500,000, there will be a risk of loss if the excess is exceeded;
2. Risk of currency depreciation: Rising prices are one of the manifestations of falling currency prices. When inflation occurs, the price of money will fall. However, the user's deposit period in the bank will also be affected by it, and there may be discounts;
3. Risk of poor liquidity: Compared with current account, the former has high income but poor liquidity. The latter has strong liquidity, but poor profitability. Many depositors choose time deposit as a special tool for saving, and the most important thing is to take a fancy to its rate of return. But we can't ignore its poor liquidity.
This article is mainly about whether banks can use deposits to obtain loans, and the content is for reference only.