There are four operation modes of bank flow: 1. Bring the bank card to the self-service inquiry equipment of the bank outlet for printing, insert the card into the self-service inquiry machine, enter the inquiry details page after entering the password, select the historical details, and enter the required date for inquiry and printing to inquire about the printing process. 2. You need to bring your ID card and bank card to the non-cash business window of the bank outlet, which will be printed by the bank staff. 3. Download the bank's mobile APP customer service terminal, log in to the mobile banking, select "My Account", enter the account details to view the bill flow, which is for inquiry only and cannot be printed. 4. Log in to the personal online bank, open the personal account bill, select the query period of the bill, export the bill details, save the document, and then print it by the printer.
Lenders applying for loans in other channels may also need to use bank flow, and different institutions have different requirements for bank flow.
1. Loan company: monthly flow of bank 1.5 times. Although the loan company's demand for bank flow is not as high as that of banks, it is very important to evaluate the lender's repayment ability in order to avoid the risk of this loan. If, like a loan company, the flow of the bank needs to reach at least 1.5 times of the monthly payment, it is better to have other income at the same time, so as to ensure that you can repay the loan on time, and then the loan company will lend you money. 2. Online loan: The bank flow is about 65,438+0,000. Online loans are usually small credit loans, so the requirements for bank flow are not high. Usually, if the bank flow is about 65,438+0,000, you can apply for an online loan. However, it should be noted that due to the low flow of banks, the loan amount will not be too high, and only a loan of about 1000 is needed, and the loan amount is usually only a few thousand to tens of thousands.
Solution to insufficient bank flow: 1. Self-deposited cash flow: this method refers to depositing a fixed amount of cash into the savings card of the same bank at a fixed time every month. Because different banks may have different cycles to check the bank flow, it is recommended to deposit it for at least half a year. Self-saving cash flow is suitable for freelancers and people with unstable jobs, which is also recognized by some commercial banks and small lending institutions. 2. If you are single, if the bank is short of running water, you can also ask your parents to apply for a loan as co-payers. If you are married, you can get a loan with your spouse. One person's bank flow is definitely not as good as two people's. If you only provide one person's bank account when applying for a bank loan, and the bank fails to approve the loan, you can consider providing both husband and wife's bank account, and then you may meet the standard. 3. If the provident fund, individual tax and social security are not broken, some banks will also agree to replace the bank flow with "personal tax payment certificate, provident fund deposit certificate and personal social security certificate". However, the tax payment certificate and social security certificate replace the bank flow, and there is a prerequisite that they are paid at the same fixed time every month. Only in this way can we prove that the borrower has a stable and fixed income, and not all banks can do it, so specific consultation is needed. Some banks allow borrowers to provide valid guarantee certificates and income certificates issued by their units, and if they can prove that their overall repayment ability meets the requirements, they will lend. For example, some people are second suites, because there is already a house under their name without a loan. Even if the salary is not enough, they can issue a guarantee certificate on this ground. If there is really no way, only increase the down payment and reduce the monthly payment.