Let us, together, analyse how, when applying for a loan, the flow bill is properly prepared to increase the likelihood of approval of the loan. First, the flow bill is an important mirror of the bank ' s financial position for borrowers. So, how do we make this mirror magnify our strengths

How do I get these skills through loans

First, keep the water bills stable. The bank would like to see the borrower ' s financial stability in the near future through running water bills. This requires that applicants do not change bank cards, transfer patterns or loan platforms frequently so that banks can clearly track financial flows。

Next, keep the bill transparent. In order to increase the chances of loan approval, borrowers need to ensure that billing information is accurate and that data in the bill is not hidden or deliberately concealed. In the event of an anomaly in the billing, such as the recording or disbursement of large amounts of funds or frequent small transactions, reasonable explanation or proof to the bank is required in a timely manner。

Then we need to keep the bill balanced. Different trades, occupations and income levels can lead to bill fluctuations, and in order to mitigate their impact on the bulk of the loans, borrowers need to choose the appropriate amount and duration of the loan according to their own circumstances。

Finally, early repayment of loans. In the flow bill, in addition to income expenditure, there is a record of repayments. If borrowers had old loan records, timely or early repayment would increase the bank ' s confidence in its ability to pay。

Regardless of the purpose of the loan, the application process can be summarized in seven steps: first, to apply to the bank for the loan and to inform the bank of the amount, purpose and duration of the loan. Relevant documents such as property certificates, household registers and marital status are then provided for review. In the case of mortgages on the property of others, the borrower is required to act in conjunction with the owner. The bank then evaluates the collateral, which is to be completed as soon as possible in the general urban area. The subsequent bank approval will examine the actual situation of the value of the collateral, the borrower ' s income, assets, liabilities, etc., and will be adopted when the conditions are met. After the approval of the loan, a notarized loan contract must be completed and then the bank will register the mortgage under the title certificate and the loan contract. Once the borrower has opened a repayment account, it awaits a bank loan。