1. What aspects of bank flow do loans mainly depend on?

Whether it is a bank or other lending institution, when a company applies for a loan, it will check the bank statement. Why do you need to check the statement when applying for a loan? The bank statement records your economic transactions at a certain time. Bank statements can, to a certain extent, prove an individual’s repayment ability. When banks or other lending institutions grant loans, in addition to considering the individual's credit score, they also mainly consider the individual's repayment ability. If the amount of the current account in the personal journal is large, it means that the individual's repayment ability is relatively strong when applying for a loan, which is helpful for applying for a loan. Of course, when a bank lends money, it does not simply go through the bank journal to get a mortgage. Generally speaking, the bank journal is only an auxiliary. prove. If an individual has a relatively stable job and income, or has a bank-approved collateral as collateral to apply for a mortgage loan, it will generally be easier to obtain a loan. The above are the reasons for checking bank statements. It should be reminded that there is a fee to print bank statements. Unlike domestic banks, foreign banks charge more expensively. However, domestic banks print bank statements within 1 year for free and a free lunch is provided. The same is true for foreign banks. Applicable, bank statement fees within 1 year will be waived. For more than 1 year, each bank is different.

2. What is the purpose of looking at the turnover of a bank loan?

The main purpose of looking at the turnover of a bank loan is: 1. Check your repayment ability and account balance, and see your income Level of ability to repay in a fixed and stable manner 2. Bank flow is the main basis for determining personal economic ability, which can determine income level and repayment ability. Stable and good bank flows are evidence of good economic income and balancing cycles. : 1) On the premise of stable flow, banks will usually refer to bank flow and overall debt ratio to determine the final mortgage amount. Currently, each bank's debt amount/total income ratio is different. Some banks require it to be no more than 50, while others require it to be no more than 70. In the past year, we may pay more attention to such bank debt ratios to prevent problems such as non-performing claims and associated debts from affecting banks' normal loan repayments and harming their own interests. In addition, some banks will set a basic monthly statement. For example, if the amount is less than 4,000 yuan, they will carefully consider it. Strengthen the management of non-performing loans by setting quota thresholds. In this case, many people want to borrow money, but find that their bank statements are not enough, so they want to submit false bank statements to meet their loan needs. However, the consequences of forging bank statements are extremely serious, and the gains often outweigh the losses. 2) What are the bank’s main factors when applying for a loan? Wage flow: At present, most companies pay wages through bank transfers. Therefore, the so-called salary flow refers to the salary flow paid by the bank. It is the most recognized bank statement. Transfer history, simply put, is the record left by people in the process of transferring funds. More often than not, the transfer flow is actually the flow formed by the transaction records of transfers over the counter, online or online banking. However, few banks see transfer flow when applying for a home loan. Generally speaking, only some banks and lending institutions will approve it. 3) The most basic conditions for individuals to apply for bank loans. Have a fixed residence, permanent residence or valid residence certificate in the location of the lending bank, and be under 65 years old; must have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on time.

3. When taking a loan, the bank will check your statement and what information it will mainly look at

The applicant’s ID card and account will be checked. If user members and immediate family members participate in the loan, the bank will also Check ID card and household registration book. If the spouse does not participate in the loan from the same household, a marriage certificate is also required. If the applicant requires provident fund borrowing, he must provide proof of timely payment of provident fund.

4. What are the main things to look at when looking at loan flow?

When a customer goes to the bank to apply for a loan, the bank is always satisfied. When banks look at turnover, they mainly look at the amount of deposits and withdrawals, as well as monthly income patterns, transaction transfer details and other income and expenditures, so as to evaluate whether the customer's economic life is stable and whether the repayment ability is sufficient.

The bank flow provided by the customer is good, and the more deposits, the higher the income.

Bank statements are commonly known as bank card deposit and withdrawal transaction statements, also known as bank account transaction statements. It refers to the list of deposit and withdrawal transactions that occurred between the customer and the bank within a period of time. Bank statement is a document that proves the income of an individual or company, and is a necessary document to apply for a loan from the bank.

If you need proof of bill details, please apply for printing and have the printing teller stamp the bank seal. After printing the bank statement, do not throw it away to prevent leakage of personal (public) account information.

With the development of the market economy, bank statements are playing an increasingly important role, including applying for a visa, applying for a job in a new company, applying for a credit card, car loan, mortgage or other loan, etc., all of which require bank statements. . Understanding and understanding bank flow is a basic skill that each of us should have. If you are engaged in the credit industry or finance-related industries, you must understand it.

Under normal circumstances, users will ask the parties to provide the bank flow printed on-site by the bank. In special circumstances, online banking downloads or mobile banking screenshots can be used instead. The bank statement obtained from the bank has different statement formats, including paper and version formats.

Generally, for bank statements provided by the same bank in the same region (referring to the jurisdiction of the same bank), there is basically no big difference in paper and format, but the packages are different, so you need to be more cautious or verify through other methods.

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Methods for judging the authenticity of transaction information:

1: Determine the authenticity of transaction information by whether the interest settlement amount exists. Generally, the interest settlement dates of banks are 3, 6, and 9, and the amount will be credited on the 21st. Under normal circumstances, it is the earliest transaction of the day. If there is no such record, it is likely to involve falsification of information.

2: After the interest settlement amount is known, use the current payment method. The interest rate can be used to roughly calculate the interest settlement amount. The current current interest rate is about 0.35. 3: Identify the authenticity through the salary details. Salaries are generally paid on working days, and the date will fluctuate by one or two days. The required salary is generally not an integer. If the salary is always an integer, you need to consider the authenticity.

4: Whether the balance before and after the transaction can be matched; or if the ATM transaction amount is not a hundred or a thousand. There is an exception.

5: Is the account number and account name of the account correct?