As follows: 1. Generally speaking, it is ideal to provide a continuous monthly bank flow with stable income and high income. Therefore, the bank running water is also the best way to have a relatively stable income at a fixed time every month. Of course, you can't apply for a mortgage if you can't meet the requirements of the bank. If the income reflected by a single bank card is low, the borrower needs to provide the running water of multiple bank cards under his name. In addition, it is best not to withdraw all the funds in the card. The flowing water in the bank also reflects the monthly income of the family, which is more than twice the monthly supply. Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks. Problems that should be paid attention to in bank flow: 1. Make sure to deposit a fixed amount of money at a fixed time every month: Generally speaking, when you apply for a bank loan, you will ask the borrower to provide a running salary for three to six months. At this time, you will evaluate the income stability of the borrower and the sustainability of the repayment source. I would like to remind everyone here that it is best to keep the money in the bank card for three or six months in a row, so as to ensure that the balance is not zero and at the same time be recognized by the bank. 2. The storage time shall not be less than 24 hours, and the interval between deposits and withdrawals shall be longer: the bank does not recognize the bank flow of fast-forward and fast-out, that is, deposit and withdrawal. If you want the traffic approved by the bank, you have to keep it in the card for a longer time. 3. Save more and take less to ensure that there is a certain balance in the card every month: many people have the habit of saving less and taking more when depositing and withdrawing money. In fact, this method is not good for applying for a loan, so the correct way is to deposit more and take less, which means that the amount you deposit must be greater than the amount you take, so that the bank will have no problem when evaluating your repayment ability.

Second, how to apply for a loan through "running water"

If you have a local branch of our bank and meet the loan conditions, you can try to apply to our bank. The application requirements and conditions of various loan types are different. First of all, what is the purpose of your loan? Our loans are issued for specific loan purposes (such as buying a house, buying a car, running a business, studying abroad, etc.). ), and when applying for a loan, relevant supporting materials must be provided according to the "loan purpose". Due to the different types of loans provided by branches, it is suggested that you log in to the homepage of China Merchants Bank first, click "Online Customer Service" in the upper right corner, and select manual entry. After providing the opening city and loan purpose of the one-card account, you can check whether the local branch has the loan type, application conditions and materials you need to provide.

I applied for a loan yesterday. He wants to deduct 6000 yuan from the assembly line, and what about another 4000 yuan?

Hello, in this case, first of all, you have to deduct one more item. You should read the terms clearly, ask them clearly and then hand them in. If it's nonsense, you can ask their leader first.

Fourth, how do you know that your bank running bill can be borrowed?

Will banks or other lending institutions check the bank's running water when enterprises apply for loans? Why should they check the running water when applying for loans? Bank flow records your financial transactions at a certain moment. The running water in the bank can prove a person's repayment ability to a certain extent. Banks or other lending institutions should not only consider personal credit information, but also consider personal repayment ability when lending. If the amount of personal current account is large, it means that the individual applying for a loan has relatively strong repayment ability, which is helpful for applying for a loan; Of course, bank loans do not just want to be mortgaged through bank running accounts. Generally speaking, the bank journal is only an auxiliary proof. If an individual has a relatively stable job and income, or has collateral recognized by the bank as collateral to apply for mortgage loans, it will generally be easier to obtain loans. The above is the reason for checking the running account. Need to be reminded that there is a charge for printing the bank journal. Unlike domestic banks, foreign banks charge more. However, domestic banks are free to print the free lunch of the bank journal in 1 year, and foreign banks are also applicable, and the handling fee of the bank journal in 1 year is free. /kloc-banks over 0/year old are different.