How to count the bank statement as qualified, and how to count the loan bank statement as qualified?

1.Users are required to provide bank statements for more than 3 to 6 months to prove whether the user's income is stable and whether the repayment** is sustainable.

2.The bank turnover needs to be more than twice the monthly payment of the housing loan, so that the bank can recognize that the user has sufficient repayment ability.

3.It is best to choose the bank flow of salary, because it can reflect the actual economic income level of the user.

If you are applying for a bank loan, you need to provide bank statements, mainly from the following aspects:

2. Turnover amount: can not be in and out, the amount of deposits and withdrawals should also be large and small, all of them are small in and out of the account of the flow is not qualified, it is best to have a fixed salary income record, and the debt can not be too high, there needs to be a balance;

3. Running water stamp: It needs to be stamped with the official seal of the bank, and it cannot be a copy.

The review requirements of each bank are different, and the above is for reference only, and the specific review is subject to the review of the handling bank. If you have financial needs, you can log in to Ping An Pocket Bank APP-Finance-Loans, learn more and try to apply.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

1. To provide a recent flow bill, it is best to be within the past six months, a few years ago flow bill has no reference value, and does not provide much help for loan approval.

2. It is best not to deposit and withdraw the bill, that is, it is not long after it is deposited into the bank account. Because of this kind of bill, banks and lending institutions know that most of them know that the customer "made" it themselves.

3. If most of the flow bills provided by the borrower are small, such as dozens or hundreds of yuan, it will not reflect the borrower's ability to repay, but may also make banks and lending institutions suspect that they are unable to repay the loan, resulting in the loan being rejected.

If the borrower is unable to provide qualified bills, he can provide proof of social security payment, provident fund payment, tax payment, etc., and if he is able, he can also provide more information on assets and financial resources.

How to check bank statements.

Personal bank statements can be queried in the following four ways:

1. You need to bring your ID card, card or passbook to the non-cash business window of the bank's business outlets and print it out by the bank staff;

2. Bring your bank card or passbook to the self-service inquiry device of the bank branch to print. The self-service inquiry machine inserts a card or passbook --- enters the password ------ enters the inquiry details page--- the historical details--- enters the date required for the inquiry and printing--- the inquiry --- prints; 3. Log in to personal online banking--- open the personal account bill--- select the cycle of querying the bill--- export the bill details to view the flow (prerequisite: you need to open the online banking function);

4. **Log in to the mobile banking --- answer ---My Account ---Account Details--- you can view the bill flow on the customer service side of the mobile app (prerequisite: mobile e-banking needs to be opened).

Why do you want a bank loan to provide a bank statement?

Before applying for a loan, the bank will first ask you to provide you with the statement of your bank account. For banks, the main purpose is to check your income**, how much is your income, whether your income is stable, and how much money flows. There are two main types of accounts provided by bank statements, one is the salary account, and the other is the personal fund flow account.

At present, most of the wages paid by units are paid by banks, and the flow of wages account can best reflect the income of customers, so as to determine the repayment ability, which is the first thing that banks need. Another type of account flow is the daily flow of funds in and out of personal accounts, which can be used as a supplementary proof of income for customers who do business, and can also be used as proof of income supplement for customers with low salary income. If the proof of income does not meet the bank loan requirements, the bank will not accept it.

You just need to go to the bank to hit out the half-year flow of your bank card, as for how to calculate the qualification, according to your loan amount, the amount of turnover required is also different, the basic principle is that the monthly repayment amount can not exceed half of the flow, and it is recommended to consult the business manager who gives you a loan.

Whether the bank statement is qualified or not mainly depends on the time of the flow, the amount of the flow, and whether the flow seal is qualified.

2. Turnover amount: the amount of turnover must be relatively fixed time, fixed amount of deposit, can not be in and out, deposit and withdrawal amount should also be large and small, all are small in and out of the account of the flow is not qualified, it is best to have a fixed salary income record, and the debt can not be too high, there needs to be a balance;

3. Running water stamp: It needs to be stamped with the official seal of the bank, and it cannot be a copy.

Bank statements can reflect the borrower's income and expenditure, so as to judge the borrower's ability to repay and liabilities.

Further information: Bank statements refer to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards). According to the nature of the account, it is divided into ** water and public water.

Bank statement is a kind of proof material to prove the income of an individual or company, and it is a necessary material to apply for a loan from a bank. As of 2020, there are three types of bank statements that are valid, namely salary statements, transfer statements, and deposit statements. If you want a qualified flow, you must pay attention to not save and withdraw on the same day, and the time of self-storage flow should be more than 3 months, and it is best to do 6 months; The deposit time and deposit amount should be certain, for example, deposit 5,000 yuan on the 10th of each month; There is also to deposit more and withdraw less, deposit 1000 yuan, take 2000, if the balance in the card is very small, it will also be considered invalid.

If a bank user wants to print a bank statement, he or she can bring his ID card to the bank's counter to print it. At the bank branch, inform the staff that they need to print the bank statement, and after showing the ID card and bank card, the staff will guide the user to print it on the self-service machine. As for whether there is a charge for printing bank statements, it is subject to the specific regulations of the bank.

Generally speaking, each bank will charge a certain fee for printing bank statements for more than 1 year, so users should pay attention to preparing change before printing the statement.

If you are applying for a bank loan, you need to provide bank statements, mainly from the following aspects:

2. Turnover amount: can not be in and out, the amount of deposits and withdrawals should also be large and small, all of them are small in and out of the account of the flow is not qualified, it is best to have a fixed salary income record, and the debt can not be too high, there needs to be a balance;

3. Running water stamp: It needs to be stamped with the official seal of the bank, and it cannot be a copy.

What kind of bank statements are efficient and best?

1. Bank savings card transfer

Transferring back and forth from a savings card of another bank in your name is not considered a turnover, but going to an ATM to deposit or withdraw money by yourself is counted as a turnover. For example, if you transfer money to someone else's card every month, and then transfer it back from someone else's card, it is not considered a turnover, but if you ask someone else to withdraw cash, and then go to the ATM to deposit it to you, this is considered a turnover. At present, most banks are determined to be invalid transaction records of online and online banking, but if they are deposited at a fixed time, some banks will recognize it, depending on the standard of the local branch.

2. The bank account balance cannot be zero

It is best to keep the minimum of 1,000 yuan on the savings card, and never take it out, because this can show your bank activity. It is best not to withdraw the money deposited into the bank immediately, and the whole deposit and withdrawal is not considered a turnover, and it is regarded as an invalid flow in the eyes of most banks. The most important thing for banks is the average daily and annual deposits, and you say how much percentage you pull down every few days, and the money has been kept there, so that the bank can use it to create benefits for itself.

3. The money should be kept overnight, not counted on the same day

Friends who have taken out a mortgage know that the staff will tell you that the flow on the books is useless, only the overnight flow is useful, as long as it has passed 24 hours, it will be regarded as a valid flow by the bank. If you deposit 30,000 yuan on the same day, and then withdraw it in installments on the same day, it will also be judged by the bank as invalid.

4. Selection of flow bank

The weight of the four major banks is greater than that of the commercial banks. Therefore, if you want to make bank statements, try to choose a debit card from the four major banks.

5. It is better to deposit a large amount of money on a regular basis than to deposit multiple sums of money

The bank statement does not depend on the number of transactions you have made and the number of deposits, but on the amount. A large deposit of 100,000 is much better than your 10,000 deposit. Because there is a distinction between large and small flows.

You can deposit once a month, and the longer the deposit, the better, and the bank will recognize it.

Qualified bank statements are those that have corresponding inflows and exits, and the balance of the account is relatively sufficient.