Different financial institutions have different requirements for running water. Generally speaking, large loans have the highest requirements for running water, such as bank loans, which require banks to run water twice as much as monthly payments.

Online loan: bank flow 1000 or so.

Online loans are usually small credit loans, so the requirements for bank flow are not high. Usually, if the bank's running water can be around 1000, you can apply for online loans. However, it should be noted that due to the low flow of banks, the loan amount will not be too high, only about 1000 of online loans are needed, and the loan amount is usually only a few thousand to tens of thousands.

Bank loan: the bank's running water is twice the monthly supply.

Bank loans attach great importance to the lender's repayment ability, that is to say, the requirements of bank flow are usually related to the loan amount and monthly repayment amount. The higher the loan amount, the greater the monthly repayment amount. Banks usually require lenders to have at least twice the monthly contribution. Once it falls below this value, it will be judged as insufficient repayment ability and the bank will refuse the loan.

Loan company: the bank's running water is 65438+ 0.5 times of the monthly payment.

Although the loan company's demand for bank liquidity is not as high as that of banks, it is essential to evaluate the lender's repayment ability in order to avoid the risk of this loan. If you want to borrow money from a loan company, the bank flow needs to be at least 1.5 times of the monthly payment, and it is best to have other income, so as to ensure that you can repay the loan on time and the loan company will lend you money.