1. What does bank statement mean?
Bank statement refers to the deposit and withdrawal transaction records of bank current accounts. It is a kind of certification material to prove the income of an individual or company, and it is also used to apply for a loan. The non-tamperability of necessary materials enhances the effectiveness as verification materials; at the same time, historical transaction records can echo with many credit materials, further enhancing the importance of bank flow in the credit approval process.
Bank statements are records of deposits and withdrawals from bank current accounts (including current passbooks and bank cards). According to the different nature of the account, it can be divided into personal flow and corporate flow. Ordinary office workers have personal accounts, while small and medium-sized business owners and self-employed individuals have corporate accounts. Bank statement Bank statement can be printed at the bank counter or self-service teller machine in the bank lobby. When printing at the bank counter, you need to bring the bank card or passbook and second-generation ID card on which the bank statement is to be printed.
Personal statement (private account statement) refers to the bank card (debit card) or bank current passbook in the customer's own name, and the detailed list of deposits and withdrawals with the bank within a period of time. Wages, bonuses, reimbursements, income, labor fees, rent, personal collections, Alipay and WeChat cash withdrawals, transfers, etc., as long as the money on your bank card changes, there will be "traces", that is, transaction records, one by one. Transaction records are bank statements.
Public account flow. Corporate flow is also called company flow and enterprise flow. It refers to the deposits and withdrawals made by bank customers "corporate customers" (who open basic corporate accounts) in their corporate bank accounts with the bank for a period of time. Business List. Earning income, purchasing, distributing money to employees, paying office building water, electricity, coal and rent, etc., as long as the bank card in the name of the business account is paying and receiving money, the transaction records here are public transactions.
2. What is a bank transfer record?
It is the transfer transaction record.
Bank statements are commonly known as bank card deposit and withdrawal transaction statements, also known as bank account transaction statements. It refers to the list of deposit and withdrawal transactions that occurred between the customer and the bank within a period of time.
Private account flow refers to the bank card (debit card) or bank current passbook in the customer's own name, and the detailed list of deposits and withdrawals with the bank within a period of time.
Public account flow refers to the list of deposits and withdrawals that occurred with the bank in the corporate bank account of the bank customer "Corporate Customer" (who opened a basic corporate account) over a period of time.
The main ways in which inputs in bank statements are expressed: Inputs are represented by credits, and outgoing items are represented by debits. They mainly include card deposits, existing deposits, transfers, wages, renewals, online banking transfers, payment for goods, labor fees, etc.
Credit card statement: The transaction record of the credit card account is the transaction statement given by the bank to the customer. It can only be treated as a transaction record, not a bank flow record.
Extended information:
Bank statements can prove the income of an individual or company. The bank will use this to judge the repayment ability. This is also required when applying for a loan. One of the materials.
Salary flow is a proof of personal income that is fully recognized by the bank. It is the income after deducting social security and provident funds, which reflects the stability and security of my job.
Transaction records of transfers through the counter, the Internet or online banking. If there is a fixed time and fixed amount of transfer, it is recognized by the bank.
Self-storage funds are deposited through cash or bank card transfer from other banks.
3. What does bank statement mean? 01
Bank statement refers to the bank transaction record, which is a kind of certification material to prove the income of an individual or a company. It is also a necessary material for applying for a loan. Its non-tamperability enhances its effectiveness as a verification material; at the same time, historical transactions Records can echo many credit materials, further heightening the importance.
Bank (including current passbooks and bank cards) deposit and withdrawal transaction records. According to the different nature of the account, it can be divided into personal flow and public flow. Small and medium-sized business owners and self-employed people have public flow.
Bank statement Bank statement can be printed at the bank counter or self-service teller machine in the bank lobby. The bank card or passbook printed at the bank counter and the personal statement (private account statement) refer to the customer's own name. The current passbook of the bank under the bank contains a detailed list of deposits and withdrawals with the bank within a period of time. Changes in wages, bonuses, reimbursements, income, labor fees, rent, personal collections, and money on bank cards withdrawn from Alipay and WeChat will all have "traces", that is, transaction records. These transaction records are bank flow.
Public account flow, also known as company flow, corporate flow, is a bank customer "corporate customer" (opening a bank account for a period of time with the bank to deposit, purchase, distribute money to employees, and deliver office buildings) Water, electricity, coal, rent, etc., as long as they are in corporate accounts, the transaction records here are public statements.
4. What does bank statement mean?
Bank statements are actually your bank. Card deposit and withdrawal transaction statements. If you apply for a mortgage, you usually need to print out the 6-month statement of deposit and withdrawal transactions in the applicant's bank account, including salary, card deposit, existing, transfer, payment, and card. Withdrawals, transfers, etc. Nowadays, it is very convenient to go to the bank to print the statement, but remember to bring your bank card and ID card when you go to avoid a wasted trip: 1. What are the requirements for the bank statement to buy a house? 1. When applying for a mortgage, the bank must first judge your ability to repay the loan, and a very important basis for judgment is your bank flow. In fact, looking at your flow is to see whether you have the ability to repay regularly and stably every month based on your income level. Therefore, in addition to asking you to issue an income certificate from your unit, the bank will also require the borrower's monthly income to be at least 2.2 times the monthly payment. What matters is the amount of deposits, especially the salary part in bank statements, as well as existing and transferred cash flows. Because banks value your stable income, bank statements must be continuous and your income is stable. If it is much higher, it will be fine. Even better. 3. If you are married and both parties work, the bank will often require proof of income of the applicant and his spouse and bank statements for the last six months. If one party does not work, there is no need to provide the bank statement. In addition, I would like to remind everyone not to believe in fake bank statements. This is very dangerous and will be rejected if found out. 2. For those who are married and have a family, if one party’s statement does not meet the requirements, the statement of both spouses can be provided. , as long as the couple’s monthly payment meets the requirements, they can still apply for a loan. For example, if the monthly mortgage payment is 8,000 yuan and the husband’s monthly income is 10,000 yuan, but does not meet the requirement of being more than twice the monthly mortgage payment, the wife’s monthly income is also 10,000 yuan. , the two people add up to 20,000 yuan, which meets the requirements.