Although both the income certificate and the bank's running water can reflect the lender's repayment ability, the income certificate can only play an auxiliary role and cannot truly reflect the cardholder's real monthly income. The income certificate can be forged. Through the running water of the bank, the bank analyzes and judges the repayment ability of the lender from the monthly fixed income and other income and expenditure in its bank card. Generally, it is necessary to provide a bank card based on the daily account of an individual for 3 to 6 months.
For users, loan installment can avoid paying a higher amount at one time and keep a certain amount of money in their hands. If there is not enough bank flow, it is impossible to get a car loan If there is no bank flow, it is acceptable for some banks to provide self-storage flow and transfer flow. In addition to the bank's running water, there are many other materials that can also be used as proof of income ability:
1, ordinary passbook can replace bank flow;
2. Fixed or fixed deposit certificates can replace bank running water or asset certificates issued by everyone in the bank.
3. Certificates of assets such as securities can be issued by securities companies;
4. Income certificate and payroll issued by the enterprise;
5, the running water under the names of both husband and wife can be * * *;
6, individual industrial and commercial households income flow and other materials.
7. Adding a * * * co-borrower to repay the car loan with himself can also improve the success rate of car loan. * * * co-borrower's credit report will not show this car loan record, but if both of them fail to repay the car loan, then * * * co-borrower's credit will be affected.
8. Find a person with repayment ability or an intermediary to guarantee, and the general guarantor shall bear joint and several liability. The guarantor's credit report will reflect the guarantee record, and the lender's overdue will also affect the guarantor's credit.