Banks mainly look at wage flow and transfer flow when auditing lenders' bank flow.
1, wages are flowing.
At present, most enterprises pay their salaries through bank transfer. Therefore, the so-called wage flow refers to the flow of wages paid by banks, which is the most recognized flow of banks. Why do banks pay the most attention to the flow of wages when applying for mortgages? Because wage flow is generally the wage income after deducting social security and provident fund, it can accurately reflect the actual income of borrowers.
2. Transfer flow
Simply put, it is the record left by people when transferring money. More often, the transfer flow is actually a flow formed by the transaction records of transfer through counters, networks or online banking. But few banks will look at the transfer process when applying for a mortgage. Generally speaking, only some banks and lending institutions will recognize it.
Effective content of bank running water
1. Make sure to deposit a fixed amount at a fixed time every month.
Good bank flow can add points to your mortgage application, while bank flow will require borrowers to have bank flow for nearly six months to one year. Therefore, it is better for everyone to ensure that there is a deposit during this period, and the balance is not zero, so that it is easier to be recognized by the bank.
2. The storage time should not be less than 24 hours, and it is better to have a long access interval.
When applying for a mortgage, some buyers think that it is a good bank flow as long as the money is deposited, but in fact, the bank flow of fast-forward and fast-out, instant deposit and withdrawal is not recognized by banks, and some banks may think that you have a fixed monthly large expenditure and there is a problem with your repayment ability.
3. Save more and take less to ensure that there is a certain balance in the card every month, which is roughly more than the monthly supply.
In other words, you should always save money, not withdraw it. For example, suppose that the monthly repayment amount after you apply for a loan is 6000 yuan, then before applying for a loan, you must ensure that the balance in your monthly card is above 6000 yuan, so as to fully guarantee your repayment ability.