The "flowing water" here refers to "bank flowing water". Both individuals and enterprises need to look at the flow of bank loans. Because bank flow can directly reflect your economic exchanges and repayment ability to a certain extent, in addition to personal credit information, bank flow is also an important basis.

After all, banks are not charities. Before borrowing money, it will investigate some basic information of the borrower. If the income is relatively small or the expenditure is particularly large, the bank will definitely worry that the borrowed money will not be collected, so the bank will judge whether it can lend or not according to its repayment ability, and what is the amount of the loan.

What does the bank loan inspection process mainly check?

The bank loan inquiry process is mainly operated and viewed in the following aspects:

First, the income from running water. General bank loans require users that the monthly income flow is not less than twice the monthly supply. For example, if a user applies for a loan in a bank and the monthly payment is 3,000 yuan, then the monthly income of tap water supplied by the user cannot be less than 6,000 yuan.

Second, the running date. Most bank loans will require the borrower to supply tap water for the last six months, and at the same time, it is necessary to ensure the stability and sustainability of the borrower's income. Therefore, banks should check whether the date when users supply tap water meets the requirements.

3. Account balance. The balance of the user's account can also reflect the user's saving ability. The more the balance, the stronger the user's saving ability and repayment ability.

Fourth, whether the running water is fraudulent. If there is not enough tap water, some users may submit fake tap water to the bank. This is not desirable, because now is the information age and honesty is very important. Once a bank finds that it is fraudulent, not only can it not lend money in this bank, but other banks will also reject the user's loan application.

Why do loans depend on the running water of banks?

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 time. To a certain extent, the running water of the bank can prove an individual's repayment ability. 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, when a bank lends money, it doesn't just want to mortgage the loan through the bank's running account. 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 is generally easier to obtain loans.

The above is the reason for checking the daily 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, which is also applicable to foreign banks, and the handling fee of the bank journal in 1 year is free. For people over 1 year old, banks are different.

Will the bank check the running water after the loan comes down? I can't check the tap water, but I can check this.

To apply for a loan in a bank, you need a bank account, salary certificate, personal identity information, loan application form, etc. They are all necessary materials. If you have personal credit or the bank doesn't have water, you can't apply for a loan from the bank. Will the bank check the running water after the loan comes down? I can't check the tap water, but I can check this!

Will the bank check the running water after the loan comes down?

In principle, banks will only check the bank flow before lending. After the loan, the bank will not check it again, but if the borrower applies for a loan for a long time, the bank may check the bank flow again before the loan. In any case, there will definitely be no more inquiries after the loan.

Although the bank does not check the running water, it will "manage after lending" the borrower, and it is very likely that the credit information of the borrower will be inquired after lending. The so-called "post-loan management" actually refers to the whole credit management process from loan issuance or other credit business to principal and interest recovery or credit termination.

Banks generally check the credit status of borrowers from time to time after the loan. If the borrower's credit record is found to be seriously overdue, it will be judged that there is a problem with the borrower's repayment ability. In order to prevent the loan funds from being recovered, banks will take some measures, such as requiring borrowers to repay loans in advance.

However, you don't need to worry. Too many post-loan management inquiries will not affect personal credit information. Some banks will carry out regular post-loan management every month, or if your credit card overdraft is high and your loan is abnormal recently, it will also carry out post-loan management. As long as the borrower maintains good credit information, it will not have an impact.

The above is "does the bank still check the running water after the loan comes down?" I hope it will help everyone to share the relevant content!