I'll check. The average bank will take back the applicant's loan for one month. If the loan funds are found to flow back, which proves that the contract is false, the bank will trace whether the loan is used for real estate investment or other illegal investment purposes. In these cases, the bank will recover the loan.

Will credit loans check the flow of funds?

Under normal circumstances, the bank's credit loan will not check the whereabouts of your funds, unless the state and the Bank Insurance Regulatory Bureau require the bank to check. As long as you repay the loan on time, the bank won't care where you spend the money.

Will the bank check the running water after the loan comes down? I can't check the tap water, but I can check this.

; ? Apply for a loan in the bank, bank account number, salary certificate, personal identity information, loan application form, etc. Are all necessary materials. If you have personal credit or the bank doesn't have water, you can't apply for a loan from the bank. Will the bank check the running water after the loan comes down? I can't check the running water, but I can check this!

Will the bank check the running water after the loan comes down?

In principle, banks will only check the bank flow before lending money. After lending, the bank will not check again, but if the borrower applies for a loan for a long time, the bank may check the bank flow again before lending. In any case, there will definitely be no more inquiries after the loan.

Although the bank does not check the running water, the borrower will carry out "post-loan management", and it is very likely that the borrower's credit information will be inquired after the loan. The so-called "post-loan management" actually refers to the whole credit management process from loan issuance or other credit business to principal and interest recovery or credit termination.

Banks generally check the credit status of borrowers from time to time after lending. If the borrower's credit record is found to be seriously overdue, it will be judged that there is something wrong with the borrower's repayment ability. In order to prevent the loan funds from being recovered, banks will take some measures, such as requiring borrowers to repay loans in advance.

However, you don't need to worry. There are too many post-loan management inquiries, which will not affect personal credit information. Some banks will carry out regular post-loan management every month, or your credit card overdraft is very high, and the recent loan is abnormal, so will post-loan management. As long as the borrower maintains a good credit reference, it will not have an impact.

The above is the related content of "Does the bank still check the running water after the loan comes down?" I hope it will help everyone!

Can you still find the flow of funds after the loan is cashed?

After the loan is cashed, banks or lending institutions cannot find out the flow of funds. Banks or lending institutions can only find out which bank outlets users use to withdraw cash. As for the use of funds after withdrawal, banks and lending institutions cannot know. Unless, the user deposits the withdrawn cash into other bank accounts, so that banks and lending institutions can continue to track the flow of loan funds.

After the user's loan funds arrive, they are paid by bank card transfer, so it is easy for banks or lending institutions to find out the flow of funds. Because the loan funds of some loans are used for specified purposes, the main purpose of the loan or lending institution to track the flow of funds is to monitor whether the loan funds of users are used illegally.

For example, in order to prevent users from illegally using loan funds, consumer loans usually require users to provide consumption vouchers, but they cannot supply them, so banks or lending institutions may require users to pay off all the debts at one time.