Portfolio loans will check the running water. The so-called "portfolio loan" is to apply to the bank for personal housing provident fund loans and personal housing commercial loans at the same time. When applying for a portfolio loan, the application materials that must be provided include the borrower's personal salary income certificate. Borrowers generally need to provide wages for more than half a year, and the flow of water is uninterrupted.

The reason why banks need borrowers to provide wage streams is because banks need to prove whether borrowers have repayment ability through wage streams.

Everyone needs to pay attention when providing salary running water. The running water data provided should be true and cannot be faked. Otherwise, once it is found out, it will be directly refused by the bank, which may also affect personal credit.

And some people may worry that their loan application will be difficult to pass because of insufficient wages. In fact, although the bank will check whether the borrower has the repayment ability through the running salary, the running salary is not the only proof.

Therefore, if the borrower's salary is not enough and has certain assets, he can also provide some asset proof materials to prove to the bank that he has sufficient repayment ability, such as large deposit certificates and automobile driving licenses. And married people can also provide wages for both husband and wife.

How to run without a bank card?

If you don't have a bank card, if you have an ID card, you can also ask the staff at the bank branch counter to apply for printing water. Because many banks provide card handling services, as long as the customer has an ID card and can provide the bank card number, the staff can print the running water for the customer after verifying that the customer's identity information is correct, and no bank card is needed.

Also, if you don't have a bank card, but have a passbook, you can also print the running water. After all, bank flow refers to the deposit and withdrawal transaction records of bank current accounts, including not only bank cards, but also current passbooks.

Of course, for convenience, it is best to take your ID card and bank card (passbook) to the bank to print the running water. In addition to asking the staff to help print the running water, customers can also go to the self-service inquiry machine at the outlets to print by themselves. Insert the card or passbook into the self-service inquiry machine, enter the password, then enter the inquiry details page, find the historical details, enter the date to be inquired and printed, click the "Inquiry" button, and then click "Print".