Housing loans must be in the bank. Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise running water. For the working class, the bank will mainly look at your salary flow, monthly account balance and daily average account balance. For small and medium-sized business owners and self-employed owners, the bank will mainly check the borrower's entry-exit account, time deposit balance and so on. It is best to explain that there is a relatively stable entry in the bank flow at a fixed time every month. The monthly income needs of families reflected by the running water of banks are more than twice that of monthly mortgages.
Second, the loan flow is not enough. How many deposits can a large deposit prove?
If you are going to pass my 6-month running water, income certificate and other materials. At the same time, the bank's personal loan income ratio is controlled below 50% (inclusive), and the monthly debt expenditure is below% (inclusive), that is, the monthly loan expenditure does not exceed the monthly income. Please refer to the regulations of local branches. Details can be directly verified and confirmed by the local loan department of China Merchants Bank.
Third, does the loan need a running deposit?
I need it.
4. Why do banks charge borrowers for loans?
Many people will apply for loans from banks in order to get what they want, but there is a shortage of funds. Banks need applicants to provide relevant certificates and materials when handling lending business. Bank running water is also needed by the applicant, which represents a person's spending power. Bank flow refers to the list of deposit and withdrawal business between customers and banks within a period of time. The effective bank flow of the loan is generally the customer's bill for nearly 6 months, and the official seal of the bank is affixed. The main reasons for the loan to the bank are as follows: 1. Evaluate the borrower's monthly income, unit nature and consumption records within a certain range; 2. Predict the stability of the borrower's work and the sustainability of repayment sources; 3. Calculate the borrower's financial resources and repayment ability; 4. Control the loan risk and decide whether to pass the loan application according to the operation situation.
What's the use of running water in the bank?
You can see the flow of funds, which represents your repayment ability.
How to query the bank flow
Bring your bank card or passbook to the bank outlets for self-service inquiry and printing.
How to brush the bank running water