When the lender issues a loan, the bank can check whether the individual has a stable income and whether he has the ability to repay the loan through running water. Generally speaking, for ordinary wage earners, the bank will mainly look at your salary flow, monthly account balance and daily average account balance, and measure whether you have enough repayment ability through this series of information.

If the lender can't repay the loan after the bank evaluation, then the lender is likely to be refused the loan, so the bank's running away is one of the decisive factors for the success of the loan, which is more convincing than the income certificate. In addition, the lender can keep a good bank running record and improve the possibility of loan success by ensuring that a fixed amount is deposited at a fixed time every month, with a long deposit and withdrawal interval and the balance in the card every month.