How to make car loan bank flow
When applying for a car loan, bank statements are one of the important basis for assessing the borrower's repayment ability. In the past 10 days, there has been a lot of discussion about bank statements for car loans, especially how to prepare statement materials that meet bank requirements. This article will combine hot topics on the Internet to provide you with a detailed analysis of the specific requirements and operating steps for car loan bank transactions.
1. Basic requirements for car loan bank flow
Banks mainly focus on the following points when reviewing car loan flows:
| Audit items | Specific requirements |
|---|---|
| Running time | Usually you need to provide bank statements for the past 6 months |
| Turnover amount | The average monthly income must cover more than 2 times the monthly car loan payment |
| Pipeline type | Salary flow is given priority, and transfer flow must be clearly noted. |
| Account status | It must be a normally used savings account with no abnormal freezing records. |
2. How to optimize bank flow?
According to recent hot discussions among netizens, the following methods can help improve the quality of water flow:
| Optimization method | Operation suggestions |
|---|---|
| fixed transfer | Transfer income on a fixed date every month to simulate salary flow |
| Avoid large amounts of fast in and out | Funds stay for at least 24 hours |
| Supplement auxiliary water | Provide Alipay/WeChat flow as auxiliary proof |
| Clear notes | Please indicate "salary", "bonus" and other purposes when transferring money |
3. Frequently Asked Questions (Frequently Asked Questions in the Past 10 Days)
1.Q:How do freelancers prepare bank statements?
Answer:Business income can be deposited regularly and corresponding business contracts/invoices can be provided as evidence.
2.Q:How is cash income reflected?
Answer:It is recommended to deposit cash into the bank on a fixed date every month and make a note of "operating income", etc.
3.Q:What should I do if there is insufficient water flow?
Answer:Consider: ① Add co-borrowers ② Provide asset certificates ③ Increase the down payment ratio.
4. Comparison of flow requirements of various banks
According to the latest survey data, the car loan flow requirements of major banks are as follows:
| bank | Running requirements | Special instructions |
|---|---|---|
| ICBC | Turnover in the past 6 months | Accept electronic stamping |
| China Construction Bank | Water flow in the past 3 months | Need to match salary slip |
| China Merchants Bank | Turnover in the past 6 months | Accept multi-account aggregation |
| Ping An Bank | Turnover in the past 12 months | Alipay payment accepted |
5. Things to note
1. Avoid suddenly increasing large amounts of turnover before applying, as this may lead to suspicion of fraud;
2. If there is a large amount of money entering or exiting the transaction, a reasonable explanation must be prepared in advance;
3. It is recommended to start planning the flow 3 months in advance to ensure naturalness and authenticity;
4. The specific requirements of branches in different regions may differ, so it is recommended to consult in advance.
Recent hot topics show that as car loan reviews become more stringent, banks are becoming more stringent in verifying the authenticity of bank statements. It is recommended that borrowers prepare in advance to ensure that the documentation is authentic and valid in order to successfully pass the car loan approval.
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