The following are the main requirements for applying for a safe house loan.
Second, the specific analysis
1, the age is between 18 and 65, and the borrower's age plus the loan period does not exceed 70 (if it is a business person, the age must be between 25 and 65).
2. Having a fixed residence at the place where the handling bank is located.
3. The mortgaged property must be a house (including a single-family villa), and the location of the property is consistent with the permanent residence.
4. If the age of the house is less than 25 years, you can accept the property in your own name or in the name of others (the property held by minors or jointly held by * * * is not supported).
5, a stable source of work and income, with the ability to repay the loan principal and interest on schedule.
6. Personal credit is good, and there is no bad credit record in the credit report.
Remember to bring personal ID card, proof of marital status (such as marriage certificate), real estate license, proof of economic income (such as payroll, bank running water, etc.). ) when applying.
If you are a business person, you also need to provide a business license. In the past three months, any bank flow of 1 month requires the company's articles of association.
In Winnie Hsin, get a big data report, find out your overdue records, and classify your online loans into formal and informal, credit-seeking and non-credit-seeking. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
3. Is the mortgage credit card approved together with the mortgage?
The approval of mortgage is carried out by the bank, and the approval of credit card is completed by the credit card center. The two cannot be approved together.
However, the user is a bank mortgage. As long as the mortgage is approved, the probability that the credit card is approved is also high.
Of course, it is not excluded that the mortgage has passed and the credit card has failed.
For credit cards that fail to pass the examination and approval, users can try to apply again at regular intervals, or apply for a low-grade credit card to improve the chances of passing the examination and approval.