1, home loans, car loans and other loans on the current water requirements.
This is because the bank needs to know the repayment ability, to avoid the loan issued after the repayment of overdue, so the bank will have a relatively large loss of funds.
Generally speaking, the bank will require the income flow is more than twice the monthly payment, do not meet the conditions of the bank will refuse to loan.
2, the credit loan will not be on the flow of water requirements.
Credit loans do not require that much, they do not require water, and they do not require any collateral.
When applying for a credit loan, the bank will focus on aspects other than income, and if the conditions are met, the bank will still make a payment.
3. Some secured loans also do not require a current account.
Banks may also relax the requirement for income stream if the guarantor found is well qualified.
From the above, we can see that not all bank loans need to provide water, but even if the bank does not require, when applying for a loan, you should also pay attention to their own income, do not apply for a loan outside of their income capacity.
Specific to whether to provide income flow, need to be based on the notice of the lending bank, if the bank on the income flow requirements, then the general requirements of the income is more than twice the monthly payment of the loan, or more strict.
When you want to check your own online loan report, which will have your credit score, whether there is a blacklist and other important data, you just need to find "Beitian quick check".
Extended information:
What happens if your water doesn't meet the requirements for a loan?
When applying for some loans, the bank will ask for income stream, if you are not confident in your stream worried about the loan pass, you can try the following ways.
1, reduce the loan amount.
After the loan amount is reduced, the pressure of monthly payments will be reduced, and the bank will naturally adjust the requirements for income flow.
2, try to choose a long term loan.
The longer the term of the loan, the less pressure on the monthly repayment, and the lower the bank's requirement for income flow.
3, increase the proportion of down payment.
For car loans or home loans, if you are not so confident in your own income, you can increase the down payment ratio to reduce the loan amount, so that the bank will also lower the income flow requirements.
4, improve their income stream.
This is the most direct way to deal with the situation, but want to improve their income stream is not a simple thing, the bank's examination of the stream is also more stringent, the self-storage of the stream will not necessarily be recognized by the bank.
5, reduce their debt ratio.
Before you go to the bank to apply for a loan, you can settle your other loans and keep your debt ratio at a lower level, so that the bank will also reduce the requirements for income flow.
In the absence of a stable and sufficient income, the use of credit products must be more cautious, if the income is not enough to apply for a loan, even if the loan is successful, the final repayment is also under pressure, once you can not repay the overdue, will have to bear the corresponding consequences.