What should I do if the loan flow is not enough? Full analysis of hot topics in 10 days
Recently, "insufficient loan flow" has become a hot topic in the financial field. Many applicants have been rejected due to insufficient loan flow during the loan process. This article will combine the hot content of the entire network in the past 10 days to provide you with structured solutions.
1. Why do lending institutions value bank flow?
| Reason | Proportion | Description |
|---|---|---|
| Proof of repayment ability | 45% | The main basis for banks to evaluate borrowers’ ability to continue repaying loans |
| Income authenticity verification | 30% | An important means to prevent false income certificates |
| Fund stability judgment | 25% | Determine income stability through flow fluctuations |
2. Analysis of common causes of insufficient running water
| Type | Proportion | Typical cases |
|---|---|---|
| freelancer | 35% | Income is not fixed and can be collected on multiple platforms |
| Mainly cash income | 28% | Frequent cash transactions among individual industrial and commercial households |
| Irregular salary payment | 22% | Some companies pay salaries through personal accounts |
| New employees | 15% | Short working years and insufficient accumulation of turnover |
3. 7 solutions to solve insufficient running water
1.Add co-borrowers: The search volume has increased by 23% in the past 10 days. Household income is calculated based on the combination of spouse or immediate family members as joint repayers.
2.Provide other asset certificates: Including real estate, vehicles, deposits, etc., the discussion popularity has increased by 17% recently.
| Alternative proof type | acceptance | Things to note |
|---|---|---|
| time deposit | 85% | Need to be frozen until the loan is settled |
| Financial products | 65% | Proof of possession required |
| Real estate certificate | 90% | Need to assess value |
3.Optimize flow records: Relevant consultation volume has increased by 31% in the past 7 days. Suggestions:
4.Choose the right loan product: Some banks launch special products:
| product type | Running requirements | Applicable people |
|---|---|---|
| Provident Fund Loan | Can replace part of the running water | Employees who pay provident fund |
| policy loan | Don't look at the running water | long term policy holder |
| tax loan | Based on tax records | Individual industrial and commercial households |
5.Increase down payment ratio: Recent successful cases show that if the down payment ratio is increased by 10%, the loan approval rate can be increased by 18%.
6.Looking for a guarantee company: Related search volume increased by 42% in the past 10 days. Please note:
7.Running water plan: Recommended preparation period of 3-6 months:
| time | Operation suggestions | Effect |
|---|---|---|
| 1st month | Deposit wages on a fixed date | establish regularity |
| 2nd-3rd month | Maintain account balance | Show financial stability |
| Months 4-6 | Increase your deposit appropriately | Improve account quality |
4. Recent hot questions and answers
Q: Can Alipay/WeChat transactions replace bank transactions?
A: Regulation has become stricter recently, and only 12% of banks accept third-party payment transactions, and complete transaction details are required.
Q: Can I apply for a credit loan if my current balance is insufficient?
A: According to the latest data, credit loans have lower flow requirements, but interest rates are generally 35-50% higher than mortgage loans.
Q: How to quickly remedy water leakage?
A: The hotspot plan shows that through the "salary transfer + deposit deposit" method within 3 months, the pass rate can be increased by 27%.
5. Professional advice
1. Plan your loan application 3-6 months in advance to avoid temporary fixes.
2. Different banks have 40% differences in their flow recognition standards. It is recommended to compare with multiple parties.
3. Recently, supervision has focused on the authenticity of transaction records, and no forgery of transaction records is allowed.
4. According to the latest policies, some banks have begun piloting "digital flow" certification.
Through the above structured solutions, you can find a suitable loan path even if your liquidity is insufficient. It is recommended to choose the best option according to your own situation and consult a professional loan consultant when necessary.
check the details
check the details
en
