There are two ways of mortgage loan: 1) directly to the bank. The following conditions must be met: a. The house needs to meet the requirements of the bank: Under normal circumstances, the bank accepts real estate with clear property rights within 20 years and can be listed and traded. B. Credit compliance: The account manager of this bank will help you check your credit status. If the credit is too bad, the bank will not accept it. C. the repayment ability of the homeowner: you have collateral, but you also have the repayment ability. That is, to have a stable income. For example, if you make a loan with a term of 10 years, the monthly repayment is about 12000. You should have enough ability to repay the monthly payment and ensure your own life. 2) entrust a guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by guarantee companies. Guarantee companies have long-term cooperation with banks, so they have more advantages than individuals in terms of interest rates, processing speed and lending. Of course, customers have to bear a certain service fee. The basic process is as follows: signing a loan contract-housing evaluation-loan approval-mortgage registration-lending hope to help you.

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Changsha Real Estate Information Network Answer: New Environment Housing Network

Second, is there any online loan to buy a house?

Online lending will affect housing loans, but it is not overdue. If the loan amount is not large, it will have little impact on the mortgage. In addition, it depends on whether online loans will be credited. If the applied online loan is not connected to the central bank's credit information system, there will be no loan inquiry record on the credit information. Banks will naturally not see too many loan records when inquiring about the credit information of mortgage applicants, so they will not affect the mortgage.

Factors affecting loan approval

Whether the general mortgage application can pass the examination and approval mainly refers to three factors: personal flow, personal central bank credit record and guarantee (guarantor flow and credit record are also needed). If you buy a house after marriage, you still need the running water and credit history of the husband and wife.

1, Personal Credit Information: The bank will focus on reviewing the personal credit information of users. Only users with good credit information can pass the bank's mortgage audit. Therefore, if the mortgage loan is to be approved successfully, users must maintain good personal credit information.

2. Repayment ability: Banks mainly verify users' repayment ability through bank flow, income proof, credit investigation and social security. Only users whose monthly payment does not exceed half of their monthly income have the opportunity to pass the approval of the bank. Therefore, it is recommended to provide more property certificates to show your repayment ability.

3. Liabilities: The current liabilities of users will directly affect the results of mortgage approval. After all, the higher the debt ratio, the greater the risk. So the more debt, the higher the risk of rejection.

4. Occupation: Banks prefer users with stable jobs, such as teachers and civil servants, because such users are stable, their repayment ability is guaranteed, and banks can guarantee the safety of funds.

5. Property right: When applying for a mortgage, users need to use the house as collateral, so the situation of the house has also become an important reference factor for banks to approve mortgages. In particular, the property rights relationship of houses must be clear.

If the online loan is rejected many times, you can clearly understand the problems in your big data in "Beijian Quick Check". It is an accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and complete data.

Extended data:

How to deal with online loan records?

Whether the online loan record will be rejected by the bank depends on the specific situation, and different situations are handled differently.

1. If there is a record of online loan before, but it has been more than 6 months now, then this situation will generally not affect the application for mortgage.

2. If the current online loan has not been settled, or the settlement time is not long, you can provide the bank with a settlement certificate. Some banks only need to provide screenshots of repayment records. This treatment is suitable for the case that the loan is a regular online loan and the amount is small.

3. If the current outstanding amount of online loans is large, or the number of transactions is large, some banks may not be able to pass even if they settle in advance. At this time, it may be necessary to provide borrowers for * * * on the premise of cleaning up online loans.

Third, does online business loan have an impact on housing loans?

Under normal circumstances, it does not affect.

First, the normal situation means that online business loans can be successfully obtained from banks without becoming a personal debt ratio. If the repayment is overdue after using the online merchant loan, or the online merchant loan is borrowed repeatedly, and the amount is large, which is shown in the personal credit report, then the bank will refuse the loan when buying a house.

Second, even if it is not overdue, it has borrowed many times, because there will be many hard inquiry records in frequent loan credit reporting, which shows that the borrower is under great economic pressure and the funds are tight. Banks that need loans constantly feel that the applicant's repayment ability is not enough, thus rejecting the loan application.

Third, online business loans are large loans under Alipay. Different from Huayuan and Jiebai, online business loans will also grant credit. Simply put, it is recorded in the credit report every time it is borrowed. When you apply for an online merchant loan, you will leave an inquiry record of 100%. If it is overdue, it will leave a bad record. All in all, online agreements are negative. As long as the repayment is made on time, it will not be a frequent loan application in the short term, which will have little impact.

Fourth, we must recognize the facts. What affects the mortgage is not the online business loan or loan amount, but the following aspects: 1, debt ratio. When the bank examines the mortgage, it will judge your repayment ability according to the outstanding debts you show. If it's 30 thousand, there's no shadow

2. Credit history. In addition, the credit history of the last two years is also very important. Don't be overdue for three times and six times. Don't be overdue at present. The outstanding loans of online merchants also have a certain impact. Specifically,

In short, the loan amount of online merchants is as high as several hundred thousand. If you borrow 30,000 yuan and pay back several thousand yuan at most every month, repayment, installment and debt will have no impact. It is recommended to apply for a mortgage after settlement.