1. Provide the bank transaction list of the salary card for nearly six months;

2. The borrower's bank flow needs to be 2 to 3 times the monthly repayment amount;

3. If the applicant is a small and medium-sized enterprise owner or self-employed, the balance of import and export accounts and time deposits in the past year shall be presented.

1. 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. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

Second, how to play the bank running water?

1. After confirming the bank where the passbook belongs, bring your ID card and bank card to the nearest bank outlet, and the staff will print it for you.

2. You can also bring your own card or passbook to the self-service inquiry machine at the business outlets to print it yourself. Self-service printing process: self-service inquiry machine-insert card or passbook-enter password-enter inquiry details page-historical details-enter required date for inquiry printing-inquiry printing.

Third, in addition, you can also query the bank flow in the following ways.

1. For users who have already started online banking, you can log in to online banking for inquiry.

2. For customers who have already started mobile online banking, they can also log in to the mobile terminal for inquiry.

Four. Note: If you need to prove the details of the bill, please apply for printing, and let the printing teller stamp the bank. Don't throw away the bank memo after printing it to prevent personal (enterprise) account information from leaking.

Verb (abbreviation of verb) The role of bank running water Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

6. What conditions do banks need to meet when applying for a mortgage? Banks must first judge your ability to repay loans, and a very important basis for judgment is your bank's flowing water. Look at your running water, in fact, is to see whether your income level has the ability to make a fixed and stable monthly repayment. Therefore, in addition to asking you to issue a certificate of income in the unit, the bank also needs to print the bank account number. Under normal circumstances, the bank will require the borrower's monthly income to be more than 2.2 times the monthly payment. Of course, banks mainly value the amount of deposits, especially the salary part of the bank's running water, as well as the existing and transferred cash flow. Because the bank values your stable income, if it is much higher, it is best for the bank to ensure a steady stream of water and stable income.

What conditions should the bank loan flow meet?

Pay card and running account. The specific requirements are as follows:

1. The bank statement must come from the salary card in the applicant's name, and provide the bank transaction statement of the salary card for nearly six months;

2. The running bill should show that the applicant has a fixed income every month, and the borrower's bank running needs to be 2 to 3 times the monthly repayment amount;

3. The time for submitting the bank journal is not less than 12 months, and the journal is continuous; The total income of a family or individual reflected by the running water of the bank needs to be more than twice the monthly payment.

Information needed for buying a house with a loan

1. Married house purchase: ID cards of husband and wife, household registration books of both parties, marriage certificate, income certificate, first-time house purchase certificate (deed tax can be reduced for first-time house purchase), and running list of bank cards; Unmarried house purchase: ID card, household registration book, single certificate, income certificate, first-time house purchase certificate, bank card running list.

2, bank loans to buy a house: hukou book, some places have hukou restrictions, local hukou can be bought; Id card, check whether there is a house before, if it is more than two suites, the down payment will increase and the loan interest rate will increase; Proof of stable income and your repayment ability; Marriage certificate, a copy of the marriage certificate is provided by the married person, and the unmarried person provides the unmarried certificate.

3. Buying a house with foreign household registration: provide 1 year personal tax payment certificate or 1 year social security; Materials required for mortgage: income certificate issued by the company and bank current account for half a year.

Housing loan process

1, understand the loan policy.

Property buyers must understand the local loan policies before preparing loans to buy a house, such as the standards of the first and second suites, the minimum loan ratio, the maximum loan amount and so on.

2. Understand the credit situation.

Whether the credit information is good or not is related to whether the buyers can get loans smoothly. So it's best to know their credit information to see if they meet the conditions of loan, so as to avoid loan failure or limited amount.

Step 3 know the bank

Although different banks implement the same standards, some details may be slightly different.

4. Sign a loan contract

If the buyer meets the loan conditions, the buyer can prepare the loan materials to sign the loan contract after signing the house sales contract with the developer and paying the down payment. When applying for a loan, the buyer should prepare the necessary documents, mainly including: ID card, household registration book, marriage certificate, work certificate, income certificate, purchase contract and other materials needed by the bank.

Step 5 wait for a bank loan

If the loan contract is not signed, the bank will immediately lend money, usually through the approval process. If qualified, you can wait for the bank to lend money.

What are the requirements for handling loan bank cards?

Many loans need to provide the running water of bank cards to prove the lender's income. But many friends don't understand the requirements of bank cards. Let me introduce you today.

First of all, the bank card running bill submitted by the loan needs to be continuous in recent months, generally within half a year. For the working class, the lending institution will mainly look at your salary operation, monthly account balance and daily average account balance, so it is necessary to deposit cash in the bank card at a fixed time every month to ensure sufficient flow. For small and medium-sized business owners and self-employed owners, lending institutions will mainly check the borrower's import and export accounts, time deposit balances, etc. It is best to show that there is a relatively stable entry at a fixed time every month in the bank flow, thus effectively proving the repayment ability of the loan applicant.

In addition, the bank's flow needs to change according to the loan situation, that is, if the loan amount is large and the monthly repayment amount is high, then the monthly flow needs to be high, and the general flow is twice the repayment amount.

remind

1. If the bank's running water is not enough, you can use the provident fund deposit slip or personal tax payment certificate to replace the bank's running water.

2. Husband and wife can submit the same loan to both husband and wife.

3. You can deposit a certain amount of money in the bank card at one time, and provide your own proof of income, and you can also prove your repayment ability.

Requirements for daily accounts of lending banks

Generally speaking, to apply for a loan in a bank, the borrower's bank flow is required to be 2 to 3 times the monthly repayment amount. Below this level, banks will refuse to lend. When applying for a loan, you need to submit the bank flow in the last 6 months. No matter what kind of loan you apply for, you need to submit proof of income.

In addition to the bank statement, the borrower also needs to submit the work certificate, personal valid identity certificate and other loan conditions stipulated by the bank; Only when the prescribed conditions are met will the bank lend to the borrower. When making a loan, the bank will sign a formal loan contract with the borrower.

It is best for borrowers to consult different banks before handling loans to find out which bank has a lower loan interest rate. Borrowers can save a lot of interest by choosing bank loans with low loan interest rates. When consulting, you can ask about the loan amount and finally find the bank that is most suitable for your loan.

After handling the loan in the bank, the borrower must repay the loan at the agreed time, and there shall be no overdue repayment. If there is overdue repayment, it will be collected and there may be penalty interest; In addition, overdue records will be uploaded to the credit information center, which will have an impact on personal credit information. This is what everyone needs to pay attention to.

What is the standard of bank flow when lending? As long as it's right.

In our daily life, we often encounter financial problems. At this time, the loan has become the key to solve the problem. However, because there are many loan softwares on the market, the rules of different softwares are different. What is puzzling is, what standards should banks meet when using loans? So today we will discuss this issue.

What is the standard of bank flow when lending?

Many lenders need to provide evidence to prove their repayment ability when handling loan business. The bank's flowing water reflects the repayment ability well. Only when the bank flow meets the requirements can they apply for loan funds. The following are the criteria for bank liquidity:

1. Before applying for a loan, if you want your bank to meet the standards, you have to provide it for more than 3 to 6 months. Only in this way can you prove that the client's funds are stable. If it's only a month or two, it's of no reference value.

2. The amount of running water in the bank must be more than twice the monthly repayment. For example, if the monthly repayment amount is 1 1,000 yuan, then the monthly balance of the user's bank running water must be around 3,000 yuan to reflect the user's repayment ability.

3. When we use the bank's running water information, we'd better use the running water for paying wages on behalf of the bank, because this kind of running water is the most recognized by the bank, which can not only reflect the salary level of users, but also let the bank know the situation of the work unit. If only users regularly deposit money into bank cards, this will generally not be recognized by banks.

The above content is a detailed answer to the standard of bank flow when lending. I hope this answer can help you solve the problems in your life.