The following is a concrete example to help you refer to the fact that personal income needs to be more than twice the borrower's monthly payment when personal credit is good and there is no foreign debt. In other words, you want to borrow 200,000 yuan from the bank. If your loan term is 5 years, and the monthly repayment should be 3,769.66 yuan at an annual interest rate of 4.95%, then the monthly bank running income you need to provide should be at least 7,539.32 yuan.
Precautions:
1. It takes 3 to 6 months for a bank to apply for a loan.
2. In order to use qualified bank flow, transferring money from one's own account to one's own account cannot be counted as bank flow.
3. You need to provide some other information as proof to apply for a loan by using bank flow, such as identity certificate, work certificate, address certificate, etc. If you can provide supporting certificates such as utilities for about 3 months, it will be beneficial to apply for a loan.
Bank flow is used to prove the lender's financial strength and repayment ability, which is one of the important materials for the bank to approve the loan audit, so it is very necessary for the lender to understand the bank flow. Bank flow usually refers to the access transaction records of the user's bank current account, mainly including current passbook and bank card account. When applying for a loan, it is generally necessary to provide a salary stream, which means that not all streams can be used to apply for a loan.
In a word, the bank is open to make money, and your running water certificate is just to reassure the bank. Ladies and gentlemen, cherish personal credit and credit creates value.