Bank traffic is not bad for all bank cards, and users only need to supply bank cards with large deposits and withdrawals. Or the bank flow of a user's single bank card is insufficient, then the bank flow of supplying multiple bank cards can be considered. As long as the bank's running water is twice or more than twice the monthly supply, it can meet the loan requirements. Therefore, if the user provides several cards, the bank will check several cards.
However, if the user's bank flow is insufficient, the problem of insufficient flow can be solved by increasing the down payment ratio, increasing co-repayers and providing additional financial certificates.
Do you provide your own bank card or check the flow of all bank cards?
If the customer applies for a mortgage alone and is not married, then the general bank will only check the bank card flow under the customer's personal name. If one card is enough, customers can provide bank cards, such as salary cards. Of course, if there are several bank cards, customers can provide them all. There are no restrictions on banks, which can prove that the more wealth management income of customers, the more helpful it is for mortgage handling.
And if the customer applies for a mortgage with others, or the customer is married, the spouse's bank card can also be provided. Banks mainly consider the family's economic situation and repayment ability.
What we need to pay attention to is that the bank's running water is generally more than twice the monthly supply. If the customer's bank running water is not enough, you can supplement some additional asset certificates, such as large deposit certificates and automobile driving licenses. Or you can use the tax payment certificate and social security/provident fund deposit certificate instead; And you can try to find a person with good credit to guarantee your loan; Or increase the down payment and reduce the loan amount.
Do you check all personal cards when you check the mortgage flow?
Check the loan flow. There is no need to check all the bank cards. It is enough to check the running water information of a lender's main income source account for half a year.
Banks should find the best bank card that borrowers often use.
According to the data, bank flow refers to the deposit and withdrawal transaction records of bank current accounts. According to the nature of the account, it is divided into personal running water and enterprise running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.
Bank running water can estimate a person's income and consumption level. Friends who need to apply for mortgage, car loan, credit card and visa. Don't ignore the bank's transaction process. It is best to have a fixed, continuous and stable account.
The method of checking running water by bank card:
1. After confirming the bank where the passbook belongs, bring your ID card and bank card to the nearest bank outlet, and the staff will print it for you.
2. You can also bring your own card or passbook to the self-service inquiry machine at the business outlets to print it yourself. Self-service printing process:
Self-service inquiry machine-insert card or passbook-enter password-enter inquiry details page-historical details-enter required date for inquiry and printing-inquiry and printing.