How do banks approve running water?
1. Bank flow is necessary information for personal or corporate loans. At the same time, bank running water can also be used as proof material, which can often be used in labor disputes, economic disputes between debts and creditor's rights. It should be noted here that when used as proof materials, the corresponding bank must affix the bank work seal after the bank prints it out.
2. The main purpose of banks or lending institutions to look at the flow of banks is to look at the repayment strength of borrowers. For example, there is no job, no other fixed income, and the bank's running amount is not high and irregular, so it is difficult to get loans. Of course, if you have a stable job, you will withdraw money on a fixed date every month, but from the income and expenditure of your account, your income is far greater than your monthly expenditure.
3. The lender will make a comprehensive judgment according to the lender's bank flow, such as monthly credit line, total income line and all accounts under its name, and then decide whether to lend money, loan line, term and interest rate standard.
4. The so-called invalid bank flow means withdrawing money on the same day, regardless of the amount. For example, if you take a salary card as proof of the bank's flowing water. But after each project is completed, the salary is transferred to other places at the first time, so this is not an effective flow.
What if the bank doesn't have enough water?
1, both husband and wife can provide cross-strait tap water.
For married people, if one party does not meet the requirements, it can provide running water for both husband and wife, and as long as both husband and wife meet the requirements, they can apply for loans. For example, the monthly payment is 8,000 yuan, and the husband's monthly income is 10000 yuan, which does not meet the requirement of twice the monthly payment, and the wife's monthly income is 10000 yuan, which makes a total of 20,000 yuan, which meets the requirements.
2, with provident fund deposit certificate or personal tax payment certificate instead of bank running water.
Some lenders pay their salaries in cash every month, so they can't provide bank running water. They can use personal tax payment certificate and social security certificate instead of bank flow, provided that they pay at the same fixed time every month, which proves that the borrower has a stable and fixed income. But not all banks can do this, and more banks should be consulted.
3. Let the unit issue a certificate of income.
Some people don't have much monthly salary and can't provide their spouses with running salary, but the bonus at the end of the year is considerable. If the unit is required to issue an income certificate to prove that its overall repayment ability meets the requirements, the bank will also lend. Of course, the policies of different banks are different, and this method does not apply to all banks.