What kind of bank flow can apply for personal loans?

First, what kind of bank flow can apply for personal loans?

The running water should be big, not big in and big out.

Materials to be prepared for the loan:

1. The borrower is both husband and wife.

2. The borrower's household registration book replies to this answer/foreigners need temporary residence permits and household registration books;

Judgment/single certificate;

4. proof of income;

5. Academic certificate;

6. Banks

7. Other attributes;

8. Copy of the business license of the unit (with official seal);

9. certificates of deposit, etc. ;

10. If the borrower is an enterprise legal person, it must also provide the annual inspection organization code certificate, articles of association and financial statements;

1 1. Other information required by the bank.

Second, when applying for a loan, such a bank flow is effective!

Now, whether you want to apply for a credit card or borrow money from a bank, as long as it involves money, banking and finance, there will be an unavoidable "bill", which is the running water of the bank. To apply for a credit card and examine your personal qualifications depends on your bank salary; Whether to run a loan business or a third-party business depends on the flow of the bank.

1. What is bank flow?

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), also known as bank account transaction statement, which refers to the deposit and withdrawal business transaction list between customers and banks within a period of time.

Second, three effective bank flows.

1, wages are flowing.

Wage flow is a personal income certificate fully recognized by banks. It is the income after deducting social security and provident fund, which reflects the stability and safety of my work.

2. Transfer flow

Transaction records transferred through the counter, Internet or online banking, if there is a fixed time and a fixed amount, belong to the part recognized by the bank.

3. Self-sufficient tap water

Cash or other bank card transfer deposit water.

3. What kind of self-sustaining water is effective?

For some people who have no fixed jobs, applying for loans is also a shortcut. But even so, you need to pay attention to some things:

1, cannot be saved on the same day, but retrieved on the same day;

2. The running water should be kept for more than 3 months, preferably 6 months;

3. The time and amount of deposit must be determined, such as depositing 5,000 yuan on the day of 10 every month;

4. Save more and take less. If you deposit 1000 and withdraw 2000, the card balance will be considered invalid.

Generally speaking, it is necessary to submit personal bank flow for 3-6 months as a reference for handling loans. Running water can intuitively see a person's income and consumption, let financial institutions calculate personal income and expenditure, and prove repayment ability.

To put it bluntly, as long as you change from Party A to Party B, your bank flow becomes very important. Then, let's talk to you about the nine details that need to be paid attention to in the flow of savings cards.

1. Running water generates current interest overnight, and the running water in and out of the day is equal to nothing, and a one-month time deposit of 1 10,000 is far better than the daily entry and exit of 1 10,000;

2. The bank calculates your monthly average flow according to the monthly current interest settlement. The specific calculation formula is more complicated, but remember that banks judge according to monthly interest;

3. Save a sum of money, preferably a large sum.

4. The money deposited on the same day and withdrawn on the same day is invalid. No matter how much it costs, it is invalid. If you save it today, it will be invalid if you can't get it tomorrow. It is best to plan a long time to withdraw money.

When the first money was about to be taken out, the second money was put in. It's for the best.

6. Keep your account rich forever. Do personal running water from the beginning and keep it for more than 6 months. This is a perfect personal account.

7. If it is running water, in addition to staying overnight, it is best to go in and out more and increase the deposit amount at the end of the month, which is also the practice of banks to evaluate high scores.

8. If you can get foreign exchange, you can open a foreign exchange card to deposit some foreign currency, or you can use your own foreign currency machine.

9. The greater the amount of funds, the better, depending on personal circumstances.

Third, what kind of bank flow can apply for personal loans?

Unsecured personal loan application materials (1) provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; (2) Provide stable address, house lease contract, water and electricity bills, property management and other related matters; (3) provide a stable source of income, bank running list, labor contract, etc. (————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————————

4. How to apply for the running water loan of ABC?

In the process of handling loans, bank flow is very important. Bank flow will affect whether the borrower can borrow and how much the loan amount is. You can't apply for any loan with only one supporting document. If the borrower is an employee of the company, he/she shall also provide credit certificates such as work certificate or income certificate issued by the company under the condition of providing bank flow; If the borrower is a self-employed, it shall also provide relevant certificates such as business license and tax registration.

Can I get a loan from the bank?

How can I apply for a loan only if the bank is running smoothly?

First, choose the loan method.

If the applicant only has running water in the bank and has no other assets, such as real estate license or automobile production certificate, then he can choose credit loan. Of course, for friends who have credit cards, they can also choose to withdraw money in cash by installments.

Second, choose a lending institution.

It is very important to apply for a loan and choose a lending institution that suits you. According to the current situation, banks also provide personal credit loan services. However, the requirements of banks are relatively high, such as the nature of the applicant's work and income. The company provides different loan products according to the specific conditions of different applicants.