"If there is no proof of income and the bank is running, will the bank still give loans?" In the era of credit consumption, bank loan is a business that everyone is familiar with. When lending money, banks usually require proof of income and bank flow. If they can't provide these two materials, will the bank still lend?

First, the role of bank flow and income proof

First of all, we need to find out what is bank running water and income certificate, and then the role of the two.

Bank running water refers to the transaction details in the bank, called running water, which contains the sum of all receipts and payments. What can be learned from the bank flow is the frequency of personal transactions and the status of funds.

Income certificate refers to the income certificate of an individual in a certain period of time, which can be directly provided by the company for ordinary wage earners. Income proof largely reflects a person's economic situation.

Generally speaking, the function of bank running water and income certificate is to assist banks to examine the repayment ability of users who apply for loans, mainly including income and consumption ability. But this aspect is not the only consideration for loans.

Second, the focus of the bank loan audit

In fact, bank loans mainly consider two aspects, one is repayment ability, but personal credit information is more important than repayment ability.

Personal credit information refers to the personal credit status in the bank. Generally, it is investigated through the personal credit report of the central bank, which will include all kinds of loan information, credit card usage and liabilities. If there are serious overdue and bad debts, the chances of passing the loan application will be greatly reduced. On the contrary, if your personal credit information is excellent, the loan you apply for will also get some extra points in the assessment.

The proof of repayment ability is related to the provident fund and employment situation in addition to the proof of bank running water and personal income. For example, some institutions and units may not have high monthly income, but they have complete five insurances and one gold, and their work is stable. In this case, the bank may not necessarily ask for proof of income and other materials. In addition, according to the different nature of loans, bank loans have different emphasis on materials.

For example, in the past, the loan review was relatively loose, and the personal income certificate and bank flow review were not strict. There are also commercial loans, and the income of enterprises changes greatly. Generally speaking, the audit of running water is strict, especially for large funds, which need corresponding explanations and certificates. Personal consumption loans, because they are personal loans of residents, have no additional explanations and guarantees, so the audit of running water and income certificates will be stricter.

To sum up, proof of income and bank flow can help banks to know the applicant's funds more accurately to some extent, but this is not the only condition for loan approval, and different loans have different emphases.