2. The main purpose of banks or lending institutions to look at the flow of banks is to look at the repayment strength of borrowers. For example, if you don't go to work, there is no income stipulated by other countries, and the bank's running amount is not high and irregular, so it is difficult to borrow money. Of course, if you have a stable job and have money in your account on a fixed date every month, then your income is far greater than your monthly expenses.
3. Lending institutions can comprehensively judge whether they can lend to you if they meet other requirements, such as monthly income, total income and all accounts under their names, loan amount, term and interest rate standard.
4. The so-called invalid bank flow means withdrawing money on the day of deposit, regardless of your amount. For example, you use your salary card as proof of bank flow. However, every time you pay your salary, but transfer it to other places at the first time, then this is not an effective flow.
How to print the bank flow when buying a house with a loan?
With my ID card and bank card, you can print it on the self-service inquiry machine of the bank branch to which the bank card belongs.
Note: If it is a statement, the bank staff should affix the bank seal after printing.
What if the loan is used to buy a house and the running water does not meet the requirements?
You can provide the bank with income certificates, tax payment certificates, social security certificates, insurance policies and other assets certificates; Or increase the repayment of the guarantor when applying for a loan; If you are a married borrower, you can also provide running water for both husband and wife, as long as both husband and wife meet the requirements.