How many loans do not need bank running water?
Bank running water refers to the deposit and withdrawal transaction records of bank current accounts. Most banks must provide three to six months of bank salary to prove the applicant's repayment ability. Especially when the borrower needs to apply for a large loan, the bank will require that the bank's running water must be more than 2 times, preferably 3 times.
The higher the flow of bank users, the stronger the repayment ability, and the smaller the risk that banks need to bear. Then the higher the loan amount that the borrower can apply for, the lower the loan interest rate.
If the borrower does not have enough running water, but needs a large loan, he can also find ways to apply for a mortgage loan or a secured loan. In particular, secured loans do not require the borrower to provide bank flow, but the guarantor's bank flow.
Of course, many banks also have some online consumer loans. These small loans usually do not give borrowers too high a quota, usually between several thousand and tens of thousands of yuan. Borrowers do not need to provide bank running water to apply for these online credit loans.
If the borrower is a freelancer and cannot provide a stable bank flow, he can also prove his economic strength through property certificates such as real estate, cars and bank deposits. As long as he proves that he has enough repayment ability, he can apply for a loan from the bank, so it is not necessary to provide bank running water to apply for a bank loan.
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