What can I check the bank flow records?
Bank journal records generally include five basic contents: transaction date, transaction summary, transaction amount, account balance and counterparty account name. According to the content, we can conclude that banks mainly check the following aspects:
1, to view the specific income amount.
Income can reflect a person's economic level and needs to be measured by specific figures. If you plan to borrow 654.38+10,000 yuan and repay 4,500 yuan every month for two years, the monthly income of the bank is only 5,000 yuan, and the income in the last two years is only1.20 million yuan. So where can you get the repayment ability, unless the monthly living expenses do not exceed 500, which is obviously unrealistic.
2. Check whether the income is stable.
It is definitely not enough to have income on the running water or just equal to expenditure, and the account balance has been close to 0 yuan for many times. It is necessary to ensure that there is a fixed source of income every month on the running record, and the income is greater than the expenditure, leaving a balance, so as to prove your economic ability, and at the same time show that you have a fixed job and can continue to repay on schedule.
Step 3 check spending power
We should know that banks don't like people who "scrimp on food and clothing". They will spend and often spend, so that they can find bank loans and achieve bank loan performance. Moreover, a person with strong spending power will definitely have a good income, because only money can consume. For example, the income from running water is 6.5438+0 million, and the maximum consumption expenditure is 6.5438+0 million. If the consumption expenditure reaches 50,000, the running water income will definitely be 6,543.8+0,000.
4. Check the transaction object
If the transaction object is only a transfer between individuals, it doesn't mean anything; And if the transaction object is other financial institutions, such as CITIC Jiantou or Alipay Bai Hua repayment, etc. This shows that this person pursues high risk and high return, or has certain debts under his name. After considering the risks comprehensively, banks may not necessarily agree to the loan.
The above is about "what can I check the bank's running water records?" I hope it can help you.