The so-called running water refers to the details of the cardholder's income and expenditure in the bank, not necessarily the income, but also the running water from the transfer. However, in the actual loan, the running water of the bank refers to the income and expenditure of the cardholder's account in the last six months. With the bank flow and the cardholder's income certificate, the cardholder with a good credit record can apply for more loans. It is difficult to apply for a loan to buy a car without running water in the bank. Users can solve it by the following methods:

First, bring your own tap water.

Now many lending institutions also accept self-storage water. The borrower deposits a fixed amount into the same account at a fixed time every month to obtain the self-storage flow. However, when depositing self-deposited flows in banks, two points should be noted:

1, and the continuity and stability of running water must be guaranteed;

2. Self-storage flow time is at least 3-6 months.

Self-stored water is not produced overnight, and it takes time to accumulate and wait for a long time to get it. If the applicant is in urgent need of funds, it is recommended to consider other ways.

Second, apply for a mortgage loan from a loan company.

Pawnshops, guarantee companies and other non-bank financial institutions can issue loans as long as they can provide recognized collateral such as houses and cars. The agency will issue a certain proportion of loan funds according to the valuation of collateral. The amount of mortgage loan for houses is usually 60-70% of the appraised value, and that for vehicles is 70-80% of the appraised value.

In addition, the bank flow can be replaced by the following data:

1, ordinary passbook can replace bank flow;

2. Fixed or fixed deposit certificates can replace bank running water;

3. The running water under the name of husband and wife can be shared, which can prove the repayment ability between husband and wife, which is recognized by banks and auto financing companies;

4. The bank flow between father and son is also acceptable. For example, if a son borrows money to buy a car and has no running water, he can provide his father's usual running water as co-borrower or guarantor;

5. If an individual has a business license, as long as it is within the validity period, he can replace the common running water with commonly used bills, delivery notes and business-related documents.