What is good tap water? Teach you how to keep running water.

Running water is a kind of financial proof, which plays a great role in handling credit cards and loans. What is good tap water? Opinions vary, but there are some * * * characteristics, so to speak.

One.

Banks are typical low-risk enthusiasts. They would rather earn less than take risks. Therefore, when borrowing money, we will try our best to be "stable".

The biggest element of good running water is stability. Income must last for at least 6 months without interruption. Moreover, this income is best from the company account, paid by the bank, and the transaction type is displayed as "salary and welfare". For example, in the eyes of banks, this is the real income. Embarrassed, the income of many employees in small companies is not entirely from the agency system, but more or less through some curve means, because companies have to pay less taxes. Or some people earn more part-time jobs, and the sources are miscellaneous and random. How to calculate this?

Bank friends say there are too many such cases, so if you have basically the same stable income on the fixed time card every month, most banks will still recognize it as the customer's salary income.

Of course, this kind of income is not high enough, which indirectly shows that your work unit is not hard enough. Strict banks simply don't admit it. The income should be less, angular and divided, not too neat. I don't know if you have noticed that your salary is often accurate to two decimal places, which is very fragmentary. This is normal, because the income must be deducted from the social security provident fund and tax first, and the piecemeal income will be true. If your salary is especially Virgo, it is too deliberate ... the income is at least twice as much as the debt. I won't say much about this, there are generally requirements.

Two.

Someone asked, can't I get a loan if my running water can't meet the requirements? In fact, there is still room ... some people will deliberately "raise water." For example, find a reliable person or company and transfer a sum of money to your card within a fixed number of days every month. Don't be too neat, you'd better bring two decimal places. Try not to change the person, time and number of transfers. If we persist in this way for six months, it can be used as income in places where the investigation is not strict. Some people have done this-when buying a house loan, the company is required to issue a part-time income certificate for itself, clearly stating that the remuneration is paid in cash, so that even if there is no income record on the bank card, the bank will recognize it. You can even make fake tap water. A friend of mine bought a house in Shenzhen at the beginning of October/July, and spent 500 yuan to find an intermediary to open a new card and make a running account. The bank lent money happily. Of course, none of the above methods may work now. Also in Shenzhen, when a friend of mine bought a house at the end of the year, no one dared to fake it for him.

Three.

Of course, you don't have to worry too much about running water. There are many kinds of proof of funds, and running water is only one of them, and it is not the most important one. Now when you go to the bank for a loan, the first question you are asked is-what work unit are you in? State-owned enterprises, central enterprises, top 500 foreign enterprises, institutions and civil servants are invincible in banks; For employees of small companies, you may be rejected at the first threshold, and it is useless to earn more. The second important thing is-how much provident fund have you paid? How much does social security pay? The more you pay, the easier the loan will be. For example, a friend of mine works in Netease, and his income is not high, but the provident fund is top-notch, approaching 3600 yuan per month. When she got a mortgage, she had a smooth journey. Now she has a consumer loan or something and a bunch of products to choose from. In addition to high salary and high provident fund in the workplace, another important economic proof is your fixed assets-how many houses and cars do you have? A few real estate licenses are thrown out, and many problems are not a problem. The more money you have, the more money you can borrow. That's what it means. Tap water is usually the last thing to consider ... really, even the best running water can't compare with your iron rice bowl and expensive house.

Four.

A little emotion. Knowing the loan routine, you can probably understand why the country has always said that housing is not speculation, and now there are so many people hoarding houses. Because it is proof of financial resources, it can be used as mortgage, guarantee and leverage to snowball. And the richer you are, the easier it is to borrow money. That's what it means.