Hello, the bank flow records your financial transactions at a certain time. 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.

Second, under what circumstances does the loan need to look at the daily account of the bank?

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.

Third, why should bank loans look at running water?

The "flowing water" here refers to "flowing water on the shore". 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, we will investigate some basic information of the borrower. If their own income is relatively small or their expenses are particularly large, banks will definitely worry that the borrowed money will not be collected, so banks will judge whether they can lend or not and what the loan amount is according to their repayment ability.

Fourth, why should the loan check the bank flow?

See if the income is up to standard: In the process of personal loan, in order to prevent some borrowers from being unable to repay the loan, basically most lending institutions will have clear requirements on the lower income limit of borrowers. See if the time is in compliance: for personal loans, the most important thing is to look at the lender's bank running account in the last three months or half a year. See if the running water is fake: in many cases, in the process of personal loans, it is impossible to provide bank running water, and some people will choose to submit fake bank running water bills. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Traditional loans (also called offline loans) refer to submitting loan applications in the real life of RMB loans through banks. Online loan (also called online loan, which refers to submitting a loan application online) is a P2P financial loan. The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors. Mobile phone loan (refers to submitting a loan application through the mobile phone loan app, which is flexible and convenient at any time) Basic provisions of the loan: the loan target is China citizens who are over 18 to 60 years old and have full civil capacity. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB. Loan term: the maximum validity period of the mortgage line is 5 years, the maturity date of the pledge line shall not exceed the maturity date of the pledge right, and the maximum validity period of the credit line and the guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.