Does the agricultural bank loan rely on running wages?

Any loan requires the lender to provide running water for nearly half a year, and the running water of wages is more likely to gain the trust of banks and thus obtain loans.

It is difficult to apply for a loan to buy a car without running water in the bank. Users can solve it by the following methods:

First, self-storage tap water Now many lending institutions also accept self-storage tap water. The borrower deposits a fixed amount into the same account at a fixed time every month to obtain the self-storage flow.

However, deposit banks should pay attention to two points:

1, and the continuity and stability of running water must be guaranteed;

2. Self-storage flow time is at least 3-6 months. Self-stored water is not produced overnight, and it takes time to accumulate and wait for a long time to get it. If the applicant is in urgent need of funds, it is recommended to consider other ways. Second, apply for a mortgage loan from a loan company. Pawnshops, guarantee companies and other non-bank financial institutions can issue loans as long as they can provide recognized collateral such as houses and cars. The agency will issue a certain proportion of loan funds according to the valuation of collateral. The amount of mortgage loan for houses is usually 60-70% of the appraised value, and that for vehicles is 70-80% of the appraised value.

In addition, the bank flow can be replaced by the following data:

1, ordinary passbook can replace bank flow;

2. Fixed or fixed deposit certificates can replace bank running water;

3. The running water under the name of husband and wife can be shared, which can prove the repayment ability between husband and wife, which is recognized by banks and auto financing companies;

4. The bank flow between father and son is also acceptable. For example, if a son borrows money to buy a car and has no running water, he can provide his father's usual running water as co-borrower or guarantor;

5. If an individual has a business license, as long as it is within the validity period, he can replace the common running water with commonly used bills, delivery notes and business-related documents.

Agricultural Bank of China loans need to meet the following conditions:

1, age 18-65 years old;

2. Have a fixed residence and be in good health;

3. I can provide my valid identity documents;

4. Good personal credit;

5. Have the ability to repay in full and on time, that is, have a stable job and income;

6, engaged in business activities in line with state regulations;

7. Other conditions required by Agricultural Bank of China.