What do banks mainly look at?
1, see if the income is up to standard.
In order to prevent the borrower from being unable to repay the loan, the lender will make clear requirements for the borrower's lower income limit. For example, some loan products require a punch card salary of more than 4,000 yuan. If your bank's running water shows that the average income level in the recent period is only about 3,000 yuan, you are likely to refuse the loan.
2. See if the time is in compliance.
Generally speaking, the bank flow mainly depends on the last 3 months or 6 months. If your bank flow shows the flow of salary payment in the last six months, then the lender can speculate that your work is still stable and the repayment source is clear and sustainable. In the final analysis, it is to ensure that the borrower has enough funds to repay the loan.
3. See if the running water is fraudulent.
Many times, it is impossible to provide bank flow, and some people will choose to submit fake bank flow. But this practice is not desirable, mainly because the running water of the cost bank is too easy to be seen through. As long as the lending institution calls the bank to confirm, it will find that it is false, and it will refuse the loan because of the false information.
Does transfer count as bank flow?
Yes, it's also running wages. The so-called wage flow means that enterprises directly transfer employees' wages to salary cards (debit cards). Since the salary is paid once a month, it is a running salary to type out all the salary accounts.
Summary: To sum up, the smooth operation of banks is very important. Usually, we should pay attention to develop the habit of running as smoothly as possible in capital exchanges.