When you need to apply for a PRGF loan, the bank flow is an important tool to verify your income. As a rule, banks want to see your income at least twice as high as the monthly loan. If you do not meet this requirement, you may need to use the following strategies to overcome this problem:

Do you need to check the bank's flow? These loans are available

First, you can try to increase the down payment rate. In doing so, you will reduce the amount of the loan, which will naturally reduce the banks' expectations of you。

Then you can also consider extending the loan cycle. The result is a reduction in the amount of the loan to be repaid every month, which means that the flow of water you need will also decrease. Note, however, that the interest costs of long-term loans will be higher and you need to ensure that this is a worthwhile strategy。

Then you can provide more financial evidence. For example, you may have a property, a car, or a large deposit. This will ease the concerns of the Provident Fund Centre and increase your loan success rate. Social security contributions records and tax certificates are also acceptable evidence。

Besides, you can find a loaner. The fact that two people's income can be matched by water supply may solve your water shortage。

Finally, you could also consider increasing the level of creditworthiness by providing high-value collateral or by finding collateral. This would reduce the risk to banks and might help you to obtain credit successfully。

In general, if your bank flow is not sufficient to meet the requirements of the Provident Fund loan, you can take the above measures to solve the problem. As to which method to use, it depends entirely on your personal circumstances。