A car loan requires bank statements. According to the requirements of most lending institutions, borrowers need to provide bank statements for the past six months when applying for a car loan. But if there is no turnover, documents proving the repayment ability are necessary.

Bank statements are commonly known as bank card deposit and withdrawal transaction statements, also known as bank account transaction statements. It refers to the list of deposit and withdrawal transactions that occurred between the customer and the bank within a period of time. Generally, banks need your bank deposits and withdrawals in the past six months to prove your income and ability to repay. Generally, whether it is a bank or an auto finance company, they will require the borrower to provide certain information when applying for a loan to buy a car. Application materials, such as ID card, income certificate, etc., or bank statements will also suffice.

But if your monthly salary is paid in cash, many people will find some intermediaries to make false statements if they cannot provide bank statements. In fact, the risk of using this kind of statement loan is higher. Once verified by the bank, not only will a bad credit record be left, but the loan application will also be rejected.

In fact, for those whose wages are paid in cash, there is no way out. Many lending institutions now also accept self-deposit accounts. That is to say, the borrower deposits a fixed amount into the same account at a fixed time every month in order to obtain self-deposit flow. However, when using self-deposit bank flow, two points need to be noted:

1. Must ensure The continuity and stability of the water flow.

2. The self-storage running time is at least 3-6 months.

Top 9 tips for printing bank statements when purchasing a car with a loan:

1. When applying for a car loan and printing statement, it must be the statement up to the current month.

2. If the turnover is less than 6 months, at least the last 3 months must be printed.

3. If the balance is too small, we recommend that you deposit some funds into the card before printing the bank statement. The balance in the card should be close to the down payment of the car, so as to ensure smooth loan approval. Auxiliary effect.

4. After the bank statement is printed out, on the 21st of March, June, September, and December every year, there will be an amount of bank interest settlement. If it is less than one yuan, then you should pay attention to the interest settlement. Less means that when your funds are flowing, they come in and out quickly and stay in the account for a short time, so the interest is less. At this time, it is best to print out the statements from other bank cards, or supplement the statements under your spouse's name as a bonus.

5. Banks have a special liking for salary flow. They can display the income level very intuitively, and wages are paid on a fixed date every month, which is stable and continuous.

6. Friends who receive their salary in cash can make their own "salary flow". After receiving their monthly salary, they can first deposit it into their other cards, and then use online banking to transfer it to themselves. Go to another card and write the word "salary" in the summary or remarks, so that after you print out the statement, you can use it as your own salary statement.

7. Friends who are self-employed will have a lot of current accounts and good turnover. But some transactions are almost all in cash and don’t have much dealings with banks. What should we do at this time? In this case, you can use a time deposit certificate to replace the bank statement, or you can use a bank statement in the name of your immediate family member (parents, children), a deposit certificate for both fixed and living expenses (the one you just deposited is not counted, it must be at least one month old), and a passbook All is OK.

8. If you really can’t get the cash flow, you should consider other methods. Either choose a financial institution that does not need to provide cash flow to apply for a loan, or postpone the car purchase plan for 3 months. Within a month, make your own turnover, that is, regularly deposit and withdraw some money from your card. It is best to have a part of the balance every month, and keep it in the card and do not withdraw it completely. The monthly income in the card must be greater than the amount of the payment, and there must be at least more money left than the monthly payment.

9. When printing bank statement, you must print it at the counter of a bank business outlet. The statement printed by the ATM machine by itself, the account name and card number are generally incomplete. Such statements must be submitted to financial lending institutions. It may be invalid and cannot be verified.