No, the running water passes through the bank card on time every month, and the amount paid regularly will belong to the running water of the bank.

The main forms of bank flow investment: the input is the lender, and the output is the borrower, mainly including card deposit, existing, transfer, salary, renewal fee, online banking transfer, payment for goods, labor fee, etc.

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), which are divided into corporate flow and personal flow according to the nature of the accounts. Every deposit and withdrawal, transfer and consumption information of the cardholder will be recorded in detail, and the resulting transaction list record is the bank flow. Common bank flows include salary flow, transfer flow, self-storage flow and so on.

Second, must the bank loan flow be the income flow?

I have worked for 10 years and answered your questions from a professional perspective. The running water stipulated by the bank is more than 2.5 times the loan amount.

But the actual appropriation is (appropriation = asset income-liabilities)

Third, is it necessary to pay back the house loan out of the bank?

The running water needed for mortgage is not necessarily the running water of wages. In fact, any type of running water can be used, and the running water of customers' own deposits is no problem, as long as they can prove their income and expenditure.

Banking process requirements for housing loans:

1. It is necessary to provide bank flow for nearly half a year to handle commercial loans.

2. The requirements in the bank flow can reflect that there is a relatively stable entry at a fixed time every month; At the same time, the monthly income of the family is reflected in the running water of the bank.

There is little change in the monthly bank flow, and there is no situation that a large amount of money is deposited and taken out immediately.

Usually, when handling housing loans, a bank with continuous monthly income and high income is the most ideal.

Fourth, must the bank loan flow be the income flow?

The bank flow of housing loans is not necessarily better, which proves the stability of your income. Running water is not necessarily a salary card at all, but your own savings card. The bank mainly compares your income certificate. The fact that the amount of running water is slightly less than the income proves that it is not a big problem. 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.