How to do a good job in bank running water

First, the importance of bank flow:

Judging whether the borrower has repayment ability is an important basis for running a bank. Keeping running water is a key step in successfully applying for a loan. It is generally not recommended to pin the running water problem on the loan manager, because the policy is uncontrollable and they are prepared.

Second, the requirements of bank flow:

When applying for a loan, the income should cover the personal name (if married, the running water of both husband and wife should cover the family name) and the current debt of 2 to 2.5 times.

For example, if an individual pays 20,000 yuan a month, the monthly loan is 6,543,800 yuan, and the credit card used in his name is 654,38 yuan+00% 5,000 yuan, then the total debt is 43,000 yuan, and the liquidity of Na Yue Bank must be at least 86,000 yuan!

Other assets (houses, cars, stocks, funds, gold, wealth management, etc.). ).) It can also be used as an asset certificate to prove the borrower's repayment ability to a certain extent.

Three. Ways to maintain bank liquidity:

First of all, regardless of mortgage or full mortgage, banks have similar requirements for running water, and they must provide running water for nearly half a year (some banks require one year).

The first category: the working class

The flowing water of such people can be divided into three parts:

1. Salary is paid at a fixed time every month. For example, on 10 (which is automatically postponed on weekends and holidays), the salary remitted by a fixed third party is 2 1233.2 yuan (the decimal point is very important, which is the balance after deducting the social security fund).

2. The bonus can be without decimal point, but try not to be an integer of one ten thousandth. It can be 35,200 yuan, 4218.5 million yuan and other financial resources. This date can be 15 of each month (automatically postponed on weekends), that is, 5 days after salary payment or 10 days (automatically postponed on weekends and holidays).

3. Fixed rent running water. For example, the monthly rent of a real estate is 7,800,8600, and the date of15,25 can be agreed.

Category II: Self-employed persons

It's simpler. I need to be a company legal person or a shareholder, and I don't need to transfer money at a fixed time. The amount can be relatively large, so I can often exchange money with others.

Four. Precautions:

1. If you are a foreigner and want to make more credit loans after buying a house, you must buy social security in advance. Guangfa Bank also has requirements for social security when making loans;

2. The running water must be overnight and the interest must be settled. Try to leave 50,000-1.5 million in the account;

3. It is generally suggested that China Merchants Bank and China CITIC Bank can hide counterparty information;

4. Don't treat the actual salary card as running water, because the remarks of "salary" can't be hidden;

5. If it is a room ticket for the elderly, it is very likely to take a full mortgage later. It is suggested to buy a company first and take the running water of self-employed. If it is a post-95 room ticket, then avoid the real salary card and try to get the running water of the wage earners.