Whether the bank statement is for one bank, or for all banks

As long as you provide a bank's flow, if the ordinary flow is not good, add ** bank verification flow, which is generally 100% passed.

Extended Information: When I go to the bank to apply for a loan, I will get stuck:

There are two reasons: first, it may be that there is a problem with credit reporting;

The second is that there is a problem with the bank flow.

First of all, if you are a credit white customer, for example, many friends have never applied for a credit card, and there is a high probability that there is no credit information.

Or the number of overdue times is a bit too much, which will also lead to the inability to apply for a mortgage.

Then there is the bank statement, focusing on the importance of the bank statement.

Many friends have this misunderstanding: the bank has a lot of turnover, why does the bank still not lend?

To understand why banks don't lend, you need to know why banks check bank statements.

First, if the form of payment in the bank statement has the words salary or payment on behalf of the bank, the bank will think that you have a fixed income, so some people say that the bank statement is a payroll.

Second, if there is no salary in the bank statement, but a fixed amount is deposited at a fixed time every month, it may also be considered a stable and continuous income.

For those who want to take out a loan, the bank will definitely look at a stable and safe income.

There are also some bank flows that are actually useless, such as fast in and fast out, 30,000 yuan in the morning, and 30,000 yuan spent on lunch at noon. The bank checked the flow and saw that such a situation did not play a role.

Bao's turnover is also invalid, including those who have not received money for two months within half a year, and their income is unstable.

Therefore, banks generally require 6 months of bank statements to prove that the income is stable.

Some friends say that their salaries are paid in cash, how can they get a loan without bank statements? Bank flow is a long-term process, if you can't use your own bank statement, you can also refer to the following methods (from the Internet):

1. Self-made bank statements.

The self-made bank statement here is definitely not a fake statement, but a regular and fixed amount of deposited money, so that the bank can see your continuous and stable income and expenditure.

2. Provide other proofs.

It is also possible to provide proof of other assets to the bank to prove your ability to repay, such as real estate, car,**, or even a policy note.

3. One-time large deposits.

Make a large deposit at one time, provide proof of financial resources to prove your ability to repay, and you can also provide other large property certificates to the bank, such as real estate, cars, **, large insurance policies, etc.

4. Increase co-repayers.

You can provide the flow of both husband and wife, as long as the joint flow of the husband and wife meets the requirements, in addition, you can also add parents who have the ability to repay as joint repayers.

5. Provide tax payment certificate.

Personal stable tax payment certificate and social security certificate.

In some cases, it can also replace bank statements, but not all banks can do this, and you still need to consult a few more banks for specific processing.

6. Reduce the loan amount.

If there is no other proof, the bank statement will not be able to meet the requirements, so you can only reduce the loan amount to the range of your own repayment ability, which is also no way, because you can't make the bank believe you.

Not so, but a lot of them, depending on how much you have.

Bank statements can estimate a person's income and consumption level, and friends who have the need to apply for housing loans, car loans, credit cards, visas, etc., do not ignore the bank's transaction flows, and the bank statements should have a fixed, continuous and stable entry.

Extended Materials. Bank statement refers 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.

1. How to fight the bank flow.

1. After you confirm the bank card and the passbook belongs, bring your ID card and bank card to the nearest bank branch for inquiry, and the staff will help you print it.

2. You can also bring your card or passbook to the self-service inquiry machine of the business outlet to print it by yourself. Self-service printing process:

Self-service inquiry machine - insert card or passbook - enter password - enter the inquiry details page - historical details - enter the date required for query printing - query - print it.

In addition, you can also check the bank statement in the following ways:

1. For users who have opened online banking, they can log in to online banking for inquiry.

2. For customers who have opened mobile online banking, they can also log in to the mobile terminal for inquiry.

Precautions. If you need a statement of proof of statement, please apply for a print and have the teller stamp stamped by the teller.

After printing the bank statement, do not throw it away at will to prevent the disclosure of personal (corporate) account information.

Second, the role of bank flows.

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.

Bank statement is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement. Refers to the list of deposit and withdrawal transactions that occur between a customer and the bank over a period of time.

The personal account statement refers to the bank card (debit card) or bank passbook in the customer's own name, and the details of the deposit and withdrawal business transactions with the bank within a period of time.

Corporate account flow refers to the list of deposit and withdrawal business with the bank in the corporate bank account of the bank customer "Corporate Customer" (opening a basic corporate account) for a period of time.

The main performance of the bank's input is as follows: the input performance is the credit side, and the output performance is the debit side, mainly including card deposit, existing, transfer-in, salary, renewal, online banking transfer, payment, labor fee, etc.

If the bank calls you many times to assist in the investigation, and you don't go, then the bank will freeze your account and adjust your account to an abnormal state. If it involves a particularly large amount of money and violates the law, they will also call the police and ask for an investigation. That is, if there is a problem with your bank account, the bank will notify the individual as soon as possible, if the individual is delayed, you will have to bear the corresponding consequences, if it is a violation of the law, the bank will report the case, freeze the personal account, and the public security organ will summon the individual to cooperate with the inspection.

If there is a bank that tells you that there is a problem with the flow of money and asks you to cooperate with the investigation, it is recommended that you go over in time, as long as you are not engaged in the money laundering industry, as long as you do not have financial crimes, then there is no problem. At the same time, the bank card holder can communicate with the banking institution in a timely manner, provide proof of flow, provide explanations for large-scale amounts, and if necessary, ask the other party to take freezing measures to avoid the occurrence of transfers by others.

Extended information: 1. Bank statement is bank statement: bank account, bank card or passbook in the bank deposit, withdrawal, transfer (remittance, transfer), shopping mall consumption card records, etc., it is arranged in chronological order, also called flow account.

Only by cultivating a good flow of funds can we ensure that the records are time-sensitive, and can we quickly and easily pass the review when applying for a loan or credit card. The second is to make a bank choice for flow. In general, the turnover of state-owned banks is greater than that of commercial banks.

Therefore, if you want to call the bank statement, try to choose a debit card from a state-owned bank.

2. The bank wants to see that the borrower's bank statement is a large transaction amount, a large balance, and in line with the borrower's income characteristics and business characteristics, and it can be judged that the borrower has sufficient cash flow to repay the loan in the future. The characteristics of a qualified bank statement are as follows:

1) Use commonly used bank cards to accumulate transfer records.

2) Don't reset your bank account to zero.

3) Don't deposit and withdraw funds on the same day every time.

4) The deposit period should not be too short or too long.

5) Deposit a large amount of funds during the bright period of the fixed chain, rather than scattered.

6) There should be a certain amount of time for the flow, preferably 6 months.

7) The amount of funds in the account is better than the less.

1. Taking a mortgage as an example, no matter which bank you are applying for a mortgage with, you need to submit 3-6 months of personal bank statements. The bank will evaluate your financial situation and repayment ability based on the bank statements you submit, and decide whether to lend to you.

2. Before you apply for a housing loan, it is best to optimize the flow, a high-quality bank statement is best to have a stable account at a fixed time every month, and the monthly household income part is best to be twice the monthly payment of the mortgage.

3. Bank flow can estimate a person's income and consumption level, friends who have the need to apply for housing loans, car loans, credit cards, visas, etc., do not ignore the bank's transaction flow, and it is best to have a fixed, continuous and stable account for the bank's flow of water. If you need to submit bank statements in order to apply for a loan, do not try to falsify bank statements, if the circumstances are serious, you are suspected of fraudulently obtaining loans, and you need to bear the legal responsibility of Bokai.