The influence of bank running water on loan application;
1. Assess repayment ability: Banks assess their repayment ability by analyzing customers' bank flow. If customers are found to have a large number of bad transactions or unbalanced income and expenditure, it will affect the loan approval results.
2. Judgment of management ability: For enterprises, the flowing water of banks can reflect the management ability of the company. If it is found that the enterprise has suffered losses for several months or the production and sales situation is not ideal, it may also lead to the rejection of the loan.
3. Show credibility: More frequent transfer of funds and stable storage of additional assets are usually associated with better credibility. If we keep a good history and control it properly, it will help to improve the chances of obtaining low-interest loan products.
How to increase bank flow?
1. Increase income channels: If part-time jobs and sideline jobs are added to increase income, the amount and frequency of bank flow can be increased.
2. Control expenditure: By reasonably controlling daily living expenses, we can reduce unnecessary consumption and reduce the monthly burden of individuals or enterprises, thus leaving more room for banks to flow funds.
3. Expand marketing channels: For enterprises, expanding market share is one of the most effective ways to improve bank flow. This goal can be achieved by increasing advertisements and exports.
4. Reasonable planning of account balance: If there are idle funds, it is recommended to deposit them in time deposits with relatively high interest rates, so as to obtain better investment returns and maintain a good historical record.
5. Choose the right type of credit card to use and pay off the debt in time: the monthly bill generated by the credit card is also one of the running water of the bank. If you can pay off your debts on time or even exceed the minimum repayment amount, it shows that you have excellent debt management ability and are likely to be regarded as a reliable customer and gain more trust and opportunities.
That's all that Bian Xiao has brought to you. I hope it will help you.