Generally speaking, to apply for a loan in a bank, the borrower's bank flow is required to be 2 to 3 times the monthly repayment amount. Below this level, banks will refuse to lend. When applying for a loan, you need to submit the bank flow in the last 6 months. No matter what kind of loan you apply for, you need to submit proof of income.

In addition to the bank statement, the borrower also needs to submit the work certificate, personal valid identity certificate and other loan conditions stipulated by the bank; Only when the prescribed conditions are met will the bank lend to the borrower. When making a loan, the bank will sign a formal loan contract with the borrower.

It is best for borrowers to consult different banks before handling loans to find out which bank has a lower loan interest rate. Borrowers can save a lot of interest by choosing bank loans with low loan interest rates. When consulting, you can ask about the loan amount and finally find the bank that is most suitable for your loan.

After handling the loan in the bank, the borrower must repay the loan at the agreed time, and there shall be no overdue repayment. If there is overdue repayment, it will be collected and there may be penalty interest; In addition, overdue records will be uploaded to the credit information center, which will have an impact on personal credit information. This is what everyone needs to pay attention to.

2. Is it necessary for ICBC to pay a three-month loan?

ICBC loans can be submitted with bank receipts, but they are not necessary.

There is no bank flow for bank loans, and the following operations can be performed:

1. Not every bank needs to provide bank flow for loans from other banks (not mandatory);

2. Or try to provide other proof of your property: such as other houses, cars or securities as supplementary proof of repayment ability;

3. Provide the company's salary certificate or personal tax bill;

4. It can actually explain the income situation. If you have credit business with financial institutions and can repay in full and on time according to the regulations, generally speaking, from the banker's point of view, you can be regarded as a person with good credit and can give preferential treatment under the same conditions.

In fact, the purpose of providing personal bank account running water is to examine whether you have a stable income and whether you have the ability to repay the bank's debts. Generally speaking, for the working class, the bank will mainly look at your salary flow, monthly account balance and daily average account balance. Through this information, we can calculate your disposable funds after deducting basic living expenses and other necessary expenses for one month according to the bank's own model, and check whether you can repay on time.

3. What are the requirements for bank current account when lending?

Waterproof tap water for six months.

4. What are the requirements for loan banks to run bills?

Houses, loans, banks, running water are generally self-help,

Open. .

Bank special paper printing, interest settlement should be accurate, and the amount should be reached.

Lending institutions need you to provide running water to prove whether your income has reached the repayment ability, and some will ask for running water bills when you apply for a visa to go abroad and enter a new company.