When a customer goes to a bank to apply for a loan, the bank will generally ask the customer to provide a running account. The bank mainly looks at the deposit and withdrawal amount, the monthly income law, the transaction transfer details and so on. , in order to understand the customer's income and expenditure, so as to judge whether the customer's economic source is stable and whether the repayment ability is sufficient. The more banks provided by customers, the better. The higher the deposit, the higher the income. What banks recognize most is running water with the word salary, because running water is usually the salary income after deducting social security and provident fund, which can accurately reflect the actual income of customers. However, if it is self-deposit, that is, in and out, this does not fully prove the customer's repayment ability, and banks generally do not recognize it. The above is what the loan bank mainly looks at.

Where is the bank flow printing?

Generally, the running water of banks is printed at bank outlets. Banks usually work shifts on weekends from 9 am to 5 pm from Monday to Friday. The actual working hours are subject to the bank. If users only need to check the bank flow, they can check it in mobile banking. Generally, bank running water will be kept for more than 5 years. If you print for more than 5 years, you will be charged a certain fee.

What should I do if the bank loan flow is not enough?

1, plus * * * Same borrower: If the user is married, the user can provide running water for both husband and wife. As long as the running water meets the relevant requirements, you can also apply for a loan;

2. Provide proof of funds: If the bank lacks running water, you can provide proof of funds of users, which are important indicators for bank loan approval. If the borrower can provide limited proof of funds, it can also improve the pass rate of applying for loans. Proof of funds includes proof of housing property rights and proof of funds.

3. Providing loan guarantee: Some banks allow borrowers to provide reasonable guarantor certificates, plus personal income certificates issued by enterprises. If you can prove that your overall repayment ability meets the requirements, you will lend, but because of different bank policies, it is not suitable for all banks;

4. Personal tax payment certificate and social security certificate replace bank flow: Personal tax payment certificate and social security certificate also represent the income level of the borrower, provided that they are paid at the same time every month, and they can apply for bank loans, but not every bank can. Consult the bank for details.

This paper mainly writes about what the loan bank mainly looks at when looking at the running water, and the content is for reference only.