1, the lender's credit is not good.

The bank will check the borrower's personal credit information when approving the borrower's loan application. If there is a bad personal credit record, it will affect the approval of the loan. For example, some people's personal credit reports show that they have been overdue for nearly two years, so most borrowers' mortgage applications will be rejected. Everyone must pay attention to maintaining personal credit information in daily life, and there must be no overdue repayment, so as not to apply for a loan when buying a house.

2. Insufficient repayment ability

Banks approve loans mainly according to the borrower's repayment ability. After all, some people have good personal credit information, but if the repayment ability is weak, banks will not issue loans because the risk of bank lending is also great. Personal repayment ability is mainly from the perspective of personal income and the nature of work. If the buyers have too much debt or unstable income and work, it will affect the bank's approval of mortgage loans. What everyone needs to pay attention to is that you must keep your job stable before and after applying for a loan and don't jump ship at will.

3, the material is not neat

Friends who have gone through the formalities of buying a house know that when applying for a bank loan, buyers need to provide a large amount of loan information to the bank, and if the information submitted by buyers is not uniform, it will also affect the bank's approval of the loan. If buyers want to successfully apply for loans from banks and other lending institutions, they must ensure that the materials they have prepared are complete. If you don't know what materials to prepare, you can consult the developer or real estate agent or bank in advance.