When applying for a loan, the bank flow is an indispensable proof material. To apply for a loan, the borrower needs to provide the bank with running water for six months. However, some lending institutions only need to provide banks with running water for three months. Then, why do you have to provide bank running water when applying for a loan?

Banks lend money, of course, in the hope that they can recover all the principal and interest at maturity. Then, when lending money, the bank will provide bank flow through the applicant for inspection. This is because the personal bank flow reflects the applicant's income, consumption ability and even consumption habits and tax payment. When a bank handles a loan, it generally requires the applicant to provide a complete bank flow for the past six months, mainly to examine the applicant's income, monthly income, expenditure and balance of payments. Then decide whether to lend and how much to put.

Of course, whether you can apply for a bank loan depends not only on the flow of personal banks, but also on many other factors, such as the applicant's credit rating, mortgage, debt and so on. In addition, it is possible that people of different occupations, although their income is the same from the perspective of bank flow, have different final evaluation results. For example, compared with the teaching profession, the sales profession lacks stability.

Therefore, it can be seen that the personal bank flow contains a lot of information, and the bank flow submitted by the borrower to the lending institution is also directly related to the successful approval of the loan.

Second, should every bank loan go smoothly?

Nowadays, many bank loans require customers to provide half a year or a year's salary. This is to check your income. As long as your income is stable and sustainable, the flow of bank cards can be reflected. You can explain to the bank that it is enough to take it out and deposit it in another card. It is also helpful if the cash flow is large or stable. In addition, not all banks need bank flow. Bank running bill is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement. Refers to the list of deposit and withdrawal transactions between customers and banks within a period of time.

3. How long does it usually take for a loan to flow out of the bank?

To buy a house with a loan, you need to prepare at least six months of bank flow, because if the prepared bank flow is less, for example, only two yuan can not reflect the borrower's economic income level and repayment ability, which will inevitably affect the mortgage approval. Of course, it is not difficult to prepare a bank account for not less than 6 months, just provide a salary card for office workers. However, it is best to have a monthly continuous income of nearly six months before applying to prove that the borrower's economic life is stable.

In addition to the bank account, the borrower also needs to provide his valid identity certificate, income certificate and work certificate, purchase contract or agreement, receipt of payment and proof of marital status. If you apply for a provident fund loan, you need to have a provident fund deposit certificate issued by the provident fund center.

Type of tap water approved by the bank:

1, salary and bonus income are flowing.

Banks like the stable working class best, so the flow of wages is the most effective. But it's hard for a company to change the personal salary flow unless you are the boss or the boss can't do it himself? The answer is that you can create it yourself through the savings card of a specific bank (wages are decimal points for tax deduction reasons).

2. Transfer flow

Including rent, labor costs, bonuses, dividends, provident fund, etc. The rent needs to be recorded every month or every three months. Alipay and WeChat funds in and out of the card consumption repayment flow is also invalid.

3. Running water to save money

Saving money is recognized by banks, because carefully observing the flow of each bank is different, be careful not to transfer money to yourself or your spouse.

Discrimination of effective running water

1. The bank got a current list. How to judge what is effective and what is not? There is a saying that there is a judgment principle, that is, save more and take less, and the amount saved is greater than the amount paid. For example, if you deposit 10 thousand and take out 8 thousand, this kind of running water is effective. If you deposit 8000 yuan and withdraw 10000 yuan, then the net outflow of funds on that day is not an effective flow.

2. There are also large inflows and outflows. Suddenly there was a sum of hundreds of thousands of dollars, and the turnover was not good that day. It's okay to turn around occasionally.

3. Within half a year, the account has no funds for two months, which is also invalid, and the delivery of water is also invalid.

The bank will check some details. Wage income must have a decimal point, because wages must be deducted from social security and provident fund, and the rest is a number with a decimal point. But when the rent is paid, there can't be a decimal point, and renting a house is generally a fee of one or two. From the time of income, it should be a record of a quarterly transfer, or there should be a record of income on a fixed day every month.

4. Does the loan need liquidity?

All kinds of online loans are mostly information.

The rest are basically gadgets. If you go up, you will be cheated.

Don't look for anything,

All kinds of online loans help you with the formalities, and the quotas are all fake and true.

Don't think about borrowing money to live, it's not a way of life.

The biggest question is, what do you want in the future? If you don't even have flowers at ordinary times, what will you pay later, and interest?

If you don't believe me, you can go to them and remember to reply to your experience under this question.

If you have no money, you want to live a rich life. I don't know how to spend it even if I have money.

Pay back the loan with the loan, hehe, if you have no money to pay back the interest, you will borrow more and more.

By the way, this loan is debt-free. Even if someone dies, your parents and family will pay you back.

You can't afford to go to prison, but you have to pay it back when you come out.

By the way, although private lending is not protected by law, you borrowed money from others voluntarily, and they didn't force you. Even if you can't afford it, you have to pay it back when people come to your house. Even if you call the police, the police can't say anything. At most, they will help you negotiate a solution. Well, as long as the loan interest rate is not higher than three times the highest bank interest rate in the same period, the police can't say anything. After all, it is you.