Will lend, the lending bank will ask for new co-borrower, collateral or guarantor.

Second, what I showed on the Ping An loan is that there is not enough running water, so I can't get a loan. It costs 3000 yuan to brush running water. Is it true?/You don't say.

Ping An Bank has a strict review process for loans. If you provide false information, it will affect the application of the loan approval bank.

Third, it is impossible to lend money because of insufficient running water.

No running water means that the bank running water submitted by users can't meet the requirements of bank loans. When a bank applies for a loan, it needs to submit the bank flow in the last 6 months. Generally, the monthly running water is 2 to 3 times the monthly repayment amount after the loan. Only when this condition is met can banks lend.

In fact, when the bank's running water does not meet the conditions of bank loans, it can be remedied, such as adding a guarantor, and the bank will lend money after having a guarantor. There is also a reduction in the loan amount. Generally, after reducing the loan amount, the bank's flowing water can meet the requirements of the bank.

In addition to the requirements of bank flow, other conditions need to be met in handling loans. For example, the borrower's good credit information is also the focus of bank audit. If the personal credit is not good, the bank will refuse the loan, and there is no way to make up for it. This is what everyone needs to pay special attention to.

When handling a loan, the borrower must measure his repayment ability. If the repayment ability is insufficient, do not lend at this time to prevent the later repayment from being delayed. You can get a loan if you have sufficient repayment ability, and you don't have to worry about paying it back later. Overdue repayment after the loan will affect personal credit information.

Credit investigation is really too important.

4. What should I do if the bank can't get a loan because of insufficient running water?

According to their own conditions, switch to other loan products. Some loan products do not need to look at the running water, such as car loans and mortgages.