High Earnings Don't Guarantee Loans: Banks Prioritize Stable Financial Patterns

• Banks prioritize stable financial patterns and net cash generation over high earnings for loan approvals.
• For self-employed individuals, bank statements are more crucial than profit and loss statements to assess income reality, stability, and future continuity.
• Banks view large, irregular deposits and transfers between personal accounts with suspicion, preferring recurring, business-related credits.
• Excessive personal expenses from business accounts, frequent overdrafts, or trading losses weaken a loan application.
• A strong bank statement shows regular credits, stable savings, disciplined EMI payments, and controlled expenses.

Why It Matters: Stable financial patterns and consistent cash flow are key for loan approval, especially for the self-employed.