1, personal credit record is good. According to bank regulations, if the borrower's credit record appears three times or six times in a row within two years, then the applicant bank is likely to be rejected.
2. Whether the debt ratio is too high. Although you can also apply for loans for existing liabilities, if the borrower's debt ratio is too high, the bank will worry about the applicant's repayment ability, so it will not lend money to the applicant easily. Generally speaking, the borrower's total debt ratio cannot exceed 50% of the total income, otherwise it will be difficult to apply for a loan.
3. Whether the spouse's credit record is good. If the borrower is married, the bank also needs to check the credit status of the borrower's spouse when applying for a loan. If the spouse has bad credit, it will directly affect the loan.
Therefore, no matter which way you apply for a loan, the borrower's credit record is more critical. More often, a good credit record can not only increase the chances of loan success, but also increase the loan amount.
When a property buyer applies for a provident fund loan, the provident fund center will review the credit report of the borrower and his spouse, and the loan will be refused in the following four cases:
1. The loan or credit card is currently overdue in the credit report of either party;
2. In the past two years, a single loan has been overdue for 3 consecutive periods or more, or accumulated for 6 periods or more;
3. In the past 2 years, the credit card has been overdue for 3 consecutive times or more;
4. Be sued for bad credit.
Among them, if the loan or credit card is currently overdue, if the borrower has repaid the arrears and can provide proof of bank repayment, he can apply for a provident fund loan.
In addition, if the personal credit report information is inaccurate due to the banking system, and the annual credit card fee is not paid, the bank will issue relevant certificates and can apply for a loan after verification.