As consumption levels rise, more and more people need loans to meet their consumption needs. But in the process of lending, we often encounter many problems, and one of the common ones is: do loans need to flow? Here's my analysis。

Do you need a loan

First of all, we need to know what's running water. The flow of water is a “bank flow bill” and, in general, a person's balance of payments, from which he or she can be informed about his or her income and expenditure. In the course of a loan application, the borrower is generally required to submit personal water as proof of the loan's qualification in order for the bank to assess its repayment capacity and creditworthiness。

So, do you need a loan to run? The answer is yes. Bank loans are a highly risky financial activity, and banks need to analyse the credit position of loan applicants to determine whether to grant a loan, so running bills become one of the Bank ' s important assessments. If the borrower does not have a bank flow bill, the bank will be unable to assess its credit and repayment capacity, which will make it difficult for the borrower to obtain a loan。

Secondly, the question that we need to answer is that loans require months of running water. Indeed, the problem is related to the personal circumstances of the borrower: if the borrower has good credit and a stable income, the amount of running water requested by the bank is generally more than three months; and if the borrower has poor credit and income instability, the bank may require running water bills for six months or more。

In addition, some might ask, if they were self-employed or entrepreneurs and had no bank bills, would that affect the loan? The answer is to influence. At this point in time, borrowers need to provide other supporting information, such as tax certificates, business licences, etc., to prove their source of income and economic strength before they can obtain bank loans。

Finally, we need to understand that running water bills are only a way for banks to assess lenders ' credit and repayment capacity, as well as other assessment factors, such as borrowers ' work, income stability, credit history, etc. Thus, even if the borrower's water bills were not ideal, there would be an opportunity to obtain a bank loan if other factors of assessment were good。