When applying for a loan, your own provident fund, social security and individual tax are in a normal state of payment. You can use your own personal tax payment certificate, provident fund deposit certificate and personal social security certificate to replace the bank flow. However, it should also be noted that when the personal tax payment certificate and social security certificate replace the bank's running water, the monthly payment time is fixed, which proves that the buyers currently have stable income.
If the buyer's bank lacks running water, then some banks also support the buyer to provide effective guarantee certificates. In addition, you need to add the income certificate issued by the company. If these relevant certificates can show that the repayment ability of buyers meets the requirements, then banks will also lend.
otherwise
If it's because we are unprofessional, we can't respond and cooperate with the business process quickly, or we deliberately fool around, or hide customers' defects in the name of so-called packaging. If we make a bad deal in a bank, we may be notorious among all account managers in that bank, which is very realistic.
Some loan applicants don't even know what information they need to bring to apply for a loan at the bank. After talking with the bank account manager for a long time, they may not understand the purpose of the loan, let alone the bank account manager told him to go back and prepare the bank flow. After running for three or four times, I finally got the information ready. As a result, it was found that it did not meet the basic requirements of bank loan products, and the bank account manager just told the borrower not to do it casually.