What is the reason why the mortgage interview was rejected?
1 has bad credit information.
When reviewing mortgage loans, banks will check the overdue loans and credit cards of both husband and wife in recent years. As long as one party has bad credit information, it will affect its approval results. Therefore, when handling the mortgage, both parties should maintain good credit information.
There is not enough water in the bank.
When banks apply for mortgage loans, they usually ask users to provide bank running water to prove their repayment ability, and ensure that their income is more than twice the monthly payment to ensure the safety of funds. If the user's bank flow is not enough, the problem can also be solved by increasing the repayment person.
3 abnormal marital status
In order to prevent this from happening, banks require users who have been divorced for more than one year to re-apply for mortgages. Moreover, after the new version of the credit information is launched, the debt and purchase records will be registered in the names of both husband and wife, and it is no longer feasible to apply for a mortgage under the pretext of divorce.
The most important thing to apply for a mortgage is personal credit and repayment ability. The refusal of visa interview is generally caused by the above three reasons. Therefore, we must keep good credit information. When applying for a mortgage, you'd better check whether you meet the requirements before applying.