First of all, look at your personal career.
When applying for a housing loan, why should banks examine the occupation of the lender? The main reason is that banks are unwilling to lend money to high-risk professionals because their recoverable funds are too risky. Therefore, it is not easy for high-risk professionals to borrow money from banks, and it can even be said that it is easy to be directly rejected by banks.
Generally speaking, high-risk industries refer to industries with high risk coefficient, high accident rate and large property losses that cannot be recovered in a short time. Coal mine, construction industry, hazardous chemicals industry, units, etc. All belong to high-risk industries.
Second, there is no big problem with credit reporting.
I believe everyone knows that good personal credit information is the premise of bank lending. In other words, if you have a bad credit record, your mortgage application will be rejected. Therefore, everyone must pay attention to maintaining good personal credit, and never have bad behaviors such as overdue repayment of credit cards. Such bad behavior will have an impact on applying for housing loans.
Third, there is no problem with the loan application materials.
With the continuous upgrading of the regulation of the property market, banks are becoming more and more strict in approving mortgages. In other words, if the borrower's loan application materials are flawed, such as personal data fraud and personal income fraud, then the bank will directly refuse the loan.
Therefore, when buyers apply for mortgage, it is best to consult the bank for information first, so as to make a complete preparation and improve the success rate of mortgage.
Fourth, the income reaches the standard.
When you applied for a house loan, did you check whether your personal income reached the standard? If not, check it quickly, because the bank will focus on the income of the borrower when approving the mortgage. Generally speaking, the borrower's income cannot be less than twice the monthly payment. If your income is not up to standard, the mortgage will also be rejected.
In fact, in life, it is common for lenders to be refused loans because their income is not up to standard, so how to remedy it? Bian Xiao's answer is that when your personal income is not up to standard, you might as well try to get a loan from your husband and wife, so maybe your income will meet the standard.
Verb (abbreviation of verb) down payment meets the requirements.
At present, the state has explicitly prohibited consumer loans from flowing into the property market, so if you take illegal means such as borrowing down payment from real estate agents or financial institutions to pay down payment, then banks will also refuse to lend. In addition, with the increase of down payment ratio, if your down payment ratio is too low, then the bank will directly refuse the loan.
Although after buying a house with a loan, the buyer will become a forced house slave, but at least the housing problem is solved. If you can't even be a house slave, is it hard? Therefore, when applying for a mortgage, we must pay more attention to the above five aspects, strive to get a mortgage as soon as possible and realize our housing dream as soon as possible.
Source: Network