1) Not eligible to buy a house:

If you are not qualified to buy a house, you cannot apply for a loan. Before buying a house, you should make sure whether you meet the housing policy in Shanghai.

2) Failure to comply with the loan restriction policy:

The policy of restricting loans is also mandatory. When reviewing loans, we must first review the records of several home purchase loans in our own name. If the loan exceeds a certain amount, we will not be allowed to apply for a loan.

3) Personal credit problems:

In the personal credit information link, there is a saying that "three points are tired and six points are tired". In other words, if the applicant fails to repay a penny for three consecutive months, it will basically be considered malicious and the possibility of being rejected by the bank is quite high. In addition, if the borrower has more than six overdue payments, then the loan application will be more troublesome.

If it is determined that there are errors in the credit record, it can be corrected; If there is indeed a credit stain, you must maintain good credit habits in the next two years, because ordinary banks will check the credit records in the last two years. If there are no bad credit records in the past two years, they can also refer to the credit records of the last five years (note: bad personal credit records will be kept for five years).

4) Providing false materials:

The false materials mentioned here mainly refer to proof of income. If the bank finds that the materials are false, even if there is no problem with other materials, it is likely to be considered as subjective and malicious, and it is more likely to refuse to lend.

5) Suspected of loan fraud:

There are generally two situations. One is that buyers and sellers make false transactions in order to defraud bank loans; The other is the inflated loan amount, where buyers and sellers raise the house price through certain means to obtain more loans (the actual transaction price is lower than the contract price), and the down payment cost is reduced at present.

6) Age mismatch:

Although the law stipulates that the loan age is 18 ~ 65 years old, the actual situation is that borrowers aged 25 ~ 40 are more popular. Considering the repayment ability and repayment time, borrowers over 50 years old are not very popular with banks.