Salary flow of Baishan professional bank_ Affordable price_ Reliable quality

  Salary flow of Baishan professional bank_ Affordable price_ Quality first [Dianwei 138-2229-4898]
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Recently, many friends asked about how to prepare for the loan
In fact, this problem belongs to the technical level
Although it is not small, if it is not paid attention to, it may eventually lose millions due to the problem of running water
So I wrote a detailed introduction in order to explain it clearly
If you find it useful, please forward it to your relatives and friends
Thank you
outline
*Single introduction
Type of flow approved by the bank
How to identify fake flow
How to raise running water
How to interact with each other
Solution to insufficient running water
01
*Single introduction
*According to the nature of the account, it is divided into individual water and public water
The flowing water involved in this article refers to a * water
The complete flow sheet shall include: name, card number, transaction account number, transaction time, summary, transaction amount, balance, transaction institution, etc
The flow sheet shall be stamped with the official seal or electronic seal of the bank
The flow sheet format or name of different banks will vary
The following is an example of the daily statement of China Construction Bank

Card No
: the account number of the cardholder
Transaction time: the time of import and export transactions, in days
Abstract code: transaction type, which can include: payroll, ATM withdrawal, consumption, bank deposit, remittance, interest settlement, etc
If the other party has special remarks during remittance, the summary code displays the name of the remarks, such as rent, salary, bonus, etc

Transaction amount: the amount of this transaction
Generally, the salary paid on behalf is zero or whole

Account balance: balance in card

Opposite account number: the operation of each bank is different
China Construction Bank does not display the opposite account number

Opposite account name: not displayed by China Construction Bank

Debit and credit: including & ldquo; Credit & rdquo; Indicates transfer in& ldquo; Borrow & rdquo; Indicates transfer out

Account Name: the name of the cardholder

ID number: ID card number

02
Type of flow approved by the bank
In the mortgage loan / consumer loan / mortgage loan, the bank will focus on reviewing the borrower's repayment ability to ensure that its sufficient income can repay the bank loan and reduce the risk of bank bad debt rate
Personal repayment ability is mainly reflected in daily * transactions

As described in the above part, there are many transaction types in the flow sheet
Which income is the effective flow sheet that the bank focuses on and recognizes? Generally, banks conduct payroll and transfer transactions
In addition, banks may also recognize income through personal payroll tax slips and provident funds

1
Salary flow
This is the most common way of income for the working class
Wage flow is a personal income certificate fully recognized by the bank
It is the income after deducting social security and provident fund, which reflects the stability and security of my work

The bank determines that your income is mainly through salary, bonus, performance, labor fee and other items
It should be noted that banks value sustained and stable income, and sometimes there is no or high or low income

In addition, if there is income such as reimbursement, most banks will not recognize it
Considering that * is usually the after tax income of the borrower, generally, the amount of * can reach 80% of the amount in the income certificate issued by the unit
Some banks also recognize your pre tax income, which is equivalent to an extra part of your income
2
Transfer flow
The transaction records of transfer through counter, Internet or online banking, if there is a fixed time and a fixed amount, belong to the part recognized by the bank

3
Identification of tax bill
Regular units will truthfully pay employees' taxes, so the personal tax slip is the most powerful & ldquo; Evidence & rdquo;
Through the monthly tax payment, the bank can easily calculate the borrower's monthly income

4
Recognition of provident fund
Some banks will recognize the basic Provident Fund * 10 deposited every month as your monthly income, and there is no need to provide running water at this time
Some banks recognize it through the monthly basic Provident Fund * 10 + monthly supplementary Provident Fund * 5
This article is very helpful for some people who are short of running water, but pay the basic provident fund and supplementary provident fund according to the ceiling