Bank loans must rely on the flow of income. Banks require customers to provide income flow mainly to see whether customers have sufficient repayment ability. If the customer cannot provide the income stream, or the income stream does not meet the requirements, the bank may refuse to lend. In addition, it should be noted that customers need to ensure that the loan information they provide is detailed and cannot be faked. Once the bank finds that the customer is suspected of fraud, it may directly reject the customer's mortgage application, with serious consequences. Before applying for a mortgage, customers should prepare their own information and go to the bank for consultation, so as to know fairly well.

The difference between bank running water and income certificate

Bank flow mainly refers to the flow of the borrower's own income, which is a list of personal deposit and withdrawal transactions with the bank within a period of time, generally including monthly salary paid by the bank, personal income tax paid by the bank, transaction details, account in and out consumption, transfer, online banking, telephone recharge, etc. Bank running water includes salary income, but it is not limited to salary. Bank running water can also include other personal income, such as the monthly rent paid by tenants.

The income certificate is generally issued by the borrower's unit and stamped with the official seal of the unit.

What banks usually want to see is a stable and reasonable bank flow of borrowers, which should be continuous and roughly consistent with the income certificate. The ups and downs of bank water are usually not optimistic about banks. Bank running water reflects the borrower's monthly income over a period of time, so in the bank's view, bank running water is an important evidence to judge the customer's income, which is more convincing than income proof.

Generally speaking, the bank's running water and income certificate need to be consistent, but it is not completely absolute, because different banks have different regulations, and different loan branches of the same bank also have different regulations. Please consult the loan bank for details. Bank running water and income certificate must be greater than or equal to twice the monthly payment.

What kind of bank flow meets the requirements of bank loan audit

When a bank handles a loan, it is generally required to provide a bank flow of nearly six months to one year, and different banks have different requirements.

1. Generally speaking, banks with continuous monthly payments, stable income and high returns are the best; Therefore, it is best to show a relatively stable entry at a fixed time every month in the bank flow.

2. Of course, banks that fail to meet this requirement may not be unable to apply for a mortgage; If the income reflected by a single bank card is low, the borrower can provide the running water of multiple bank cards under his name.

3. In addition, in the case that mobile payment is more common, many people like to transfer their wages to financial instruments such as Alipay as soon as they pay their wages. In this way, the bank will think that you have a fixed large expenditure, which will affect the bank's evaluation of your repayment ability. So try not to withdraw all the funds from the card at a fixed time every month. Here, some banks may not have this requirement, but to be on the safe side, friends who want to borrow money to buy a house should pay a little attention.