Successfully completing the loan is a very important link in the whole process of buying a house. Why do different people apply for different loan quotas when buying a suite, and even some people can't get loans? To solve the loan dilemma, we must first understand the root cause and see which of the following causes affects you.

Loans may be frozen for the following reasons:

Excessive housing age: banks generally stipulate that the housing age of second-hand houses should not exceed 20 years or 25 years, some banks stipulate that it should not exceed 15 years, and more stringent requirements should not exceed 10 years.

There is a record of overdue repayment: the borrower's personal credit report is very important. If there is a recent record of overdue repayment, it is likely to be rejected. If the overdue times are few and the amount is small, there is still hope to get a loan, but the loan ratio will be reduced and the loan interest rate will be raised.

Incorrect income: the relationship between ordinary income and mortgage;

Monthly income