Applying for a bank loan can be sloppy. Once rejected, it will take a long time to apply again. Therefore, it is necessary to know some aspects of bank audit in advance. Every bank has its own audit department. Although the implementation standards are different, the basic risk control is still the same. Let's have a look.

1, personal basic information

When applying for a loan, you will need to provide personal identity information, household registration information, name and address of your work unit, etc. Generally speaking, married people, locals and people who have lived for a long time are more likely to get loans, because the family business is more stable and the repayment ability will be stronger. In addition, civil servants and employees of large enterprises have stronger repayment ability, because their work units are good and their income is high, and they will not be unemployed because of loans.

2. River bank flow

Don't underestimate the running water of the bank. Bank credit auditors can see many doorways from it. The bank will ask for the bank's running water for nearly half a year. Whether it is the flow of other banks or our bank, you need to print it out, and you can see your monthly expenditure, income, transfer records and balance, so as to analyze your financial situation.

In addition, your repayment income should be based on the total loan amount and monthly repayment amount in the credit report. If the amount of debt to be repaid accounts for more than 70% of the income, the bank loan will be rejected.

3. Personal financial resources

If the personal income is not high, it depends on whether there is an alternate source of repayment. For example, some newly graduated office workers have cars and houses under their names, although their wages are very small, and there are various large insurance policies. Even if it is unable to repay later, it can be realized with personal assets. Personal property certificate, vehicle, insurance policy and company information will be reviewed.

4. Personal credit information

Needless to say, if the credit is not good, it will be rejected with great probability. In addition to the situation of "six bad debts for three consecutive times" or bad debts, we will also consider the impact of some microfinance applications and inquiry records. More Internet loan applications will also affect bank approval.

To sum up, there are many things that banks need to examine, which can be judged from the materials needed to apply for loans. These are the four contents that most banks will review, so we should pay attention to maintenance at ordinary times.