Not all bank loans require income flow. There are many types of bank loans. Some loans do not require income flow. Generally speaking, there are the following situations.

1. Mortgage loans, car loans and other loans have flow requirements.

This is because the bank needs to understand the repayment ability to avoid overdue repayment after the loan is issued, which will cause the bank to suffer relatively large capital losses.

Generally speaking, banks will require an income flow that is more than twice the monthly payment. If the conditions are not met, the bank will refuse the loan.

2. Credit loans do not have requirements on running water.

Credit loans do not have so many requirements. They do not require cash flow or any collateral.

When applying for a credit loan, the bank will pay attention to other aspects besides income. If the conditions are met, the bank will still make the payment.

3. Partially guaranteed loans do not require cash flow.

If the guarantor you find has excellent qualifications, the bank may also relax its income flow requirements.

As can be seen from the above, not all bank loans require a flow of payment, but even if the bank does not require it, you should pay attention to your income when applying for a loan, and do not apply beyond your income capacity. loan.

As for whether to provide income flow, you need to refer to the notice of the lending bank. If the bank has requirements for income flow, it will generally require an income that is more than twice the monthly loan payment, which is still relatively small. Strict.

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What if the turnover does not meet the loan requirements?

When applying for some loans, banks will require you to provide income statement. If you are not confident about your statement and are worried about not being able to get the loan, you can try the following methods.

1. Reduce the loan amount.

After the loan limit is reduced, the pressure on monthly payments will be reduced, and banks will naturally lower their requirements for income flow.

2. Try to choose a long-term loan.

The longer the loan term, the smaller the monthly repayment pressure, and the lower the bank’s income flow requirements.

3. Increase the down payment ratio.

For car loans or housing loans, if you are not so confident about your income, you can increase the down payment ratio and reduce the loan amount. In this way, the bank will also lower its income flow requirements.

4. Increase your income flow.

This is the most direct way to deal with it, but it is not a simple matter to increase your income flow. Banks also have stricter inspections of flow, and self-deposited flow will not necessarily be used by the bank. recognized.

5. Reduce your debt ratio.

Before going to the bank to apply for a loan, you can settle other loans and control the debt ratio at a relatively low level. In this way, the bank will also reduce its income flow requirements.

When you do not have stable and sufficient income, you must be cautious when using credit products. If your income is insufficient, apply for a loan. Even if the loan is successful, there will be pressure to repay the final repayment. If you exceed the deadline, you will have to bear the corresponding consequences.