It is normal to go to the bank to apply for a parking loan, but the approval is not passed, and the information provided by the customer will not be returned, because all kinds of information need to be provided when applying for a loan, and the information will not be returned if it is not passed, which is the basic rule of the bank.
You can take a closer look at the loan terms.
Buying a house and a car is inevitable in life, and often everything is ready, or the loan is refused or the loan amount is too low. So how can we get a smooth loan and easily make the next repayment with a higher amount? Here are some tips for everyone.
Personal credit must be good.
The first premise of the loan is that the personal credit information is good, the credit information is not good or spent, and the loan will definitely be rejected when it is reviewed. Therefore, maintaining good personal credit information is an important prerequisite for loans.
How to keep personal credit information good?
0 1
Don't be overdue.
Whether it is credit card repayment after credit card consumption or mortgage repayment, we must be careful not to overdue repayment. Once overdue, not only will there be a penalty interest, but this consumption record will also be kept in the personal credit information system. Then when the loan is made, it is easy to be rejected when it is reviewed.
02
There are too many sleep card.
Many people always think that it won't matter if they don't open or use a credit card. In fact, if the applied credit card is not activated, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, which will also have an impact on your future application for a bank credit card. Some specific cards have an annual fee even if they are not activated. If this point is ignored, it is likely that the credit card will be in arrears and then overdue, resulting in a bad credit record.
03
Arrears of living expenses
The new personal credit information system has been launched, and all kinds of utilities and telephone charges in life are in the personal credit information record.
If you don't pay on time, there will even be things like subway evasion. In real-name registration system and the Internet age, all your records will be recorded in your personal credit information, which will inevitably lead to bad credit information.
Only by maintaining a good personal credit information is the premise of a smooth loan!
Say goodbye to the white tiger
Many people always think that they never lend, and the loan will be smooth with good credit information, but the fact is that users who never lend will also be rejected when lending.
Why? A bank account refers to an individual who has not applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.
Generally speaking, for white bank households, when you borrow money, banks or financial institutions can't find out your spending power, repayment ability and credit status, and can't make objective and reasonable judgments.
Therefore, it is much more difficult for white households to apply for loans than customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. In order to control their credit risk, they will generally lend cautiously, even if they agree to the loan, the amount will not be too ideal.
Therefore, we should also make appropriate loans and handle credit cards reasonably.
How to make a large loan?
0 1
Don't be overdue.
Under normal circumstances, the running water and salary level of the wage issuing bank largely reflect the income strength of individuals. Those with high wages can easily be listed as quality customers. Credit cards not only have a high application amount, but also are easy to borrow, and the amount will be higher.
Like the bank that pays my personal salary, our company is first included in the bank's quality enterprise service, and then my personal salary and year-end bonus are distributed through the bank, thus being included in the bank's quality customers. My credit card is not only the highest, but also the loan amount is hundreds of thousands, and the approval is fast.
02
Improve bank flow
What is bank running water? In fact, bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), also known as bank account transaction statement.
Bank flow includes three parts: salary flow, transfer flow and self-storage flow.
Running water in the bank is not equal to running water in wages! Many people have no house, no car and no job when they borrow money, and getting a card is always rejected. The reason is that the bank is running water.
How to improve bank flow?
First, the way to get money
For individuals who lack bank running water, access method can be used to improve the bank running water record. Under normal circumstances, it is invalid for some people to withdraw money on the same day in order to have a bank flow.
The correct posture of deposit and withdrawal is to deposit a large sum of money in the bank first, and according to the individual's ability, the larger the amount, the better, and then take out a small amount later. Don't take it out on the same day.
B, time to save money
Want to improve the bank flow, not a day or two can be completed, but gradually accumulated at ordinary times, so pay attention to the usual deposit and withdrawal methods.
If there is not much money, you can choose the usual fixed deposit mode+zero deposit mode. That is to say, in addition to deposits with a similar amount at a fixed time every month, if there are other sporadic deposits, it is necessary to add points.
Therefore, pay attention to the usual deposit and withdrawal methods, step by step, and gradually accumulate bank flow, at least 1-3 months.
Banks have a high flow of water and a lot of deposits, so it is easy for them to be included in high-quality customers. Loans are easy to approve and the amount will naturally increase.
03
Provide sufficient proof of assets
Whether the loan is approved or not, the most crucial point is that the bank looks at your repayment ability. Having enough assets means that you have strong consumption and repayment ability, so it is naturally easy to approve. The amount of assets largely determines the amount of loans. Therefore, asset certification materials are very important.
In addition to salary income, asset certificate is also a plus item. If the applicant has fixed assets such as houses and cars, or large insurance policies and stocks, he can get extra points. Providing these asset certificates can provide borrowers with high and low interest loans.
If you want to apply for a large loan, you can refer to the above methods to apply for a loan.
If the Agricultural Bank's housing loan is unsuccessful, will these promises be returned?
Personally, as a bank, if personal loans are unsuccessful, it is reasonable to return those personal commitments. But the reality is that if you don't want it, the bank won't take the initiative to return it to you.
Excuse me, the decoration loan I applied for failed, but the bank hasn't given me the information and reasons yet?
The renovation loan you applied for failed, but the bank refused to return the information. This is a reasonable situation. In the case of general loan failure, the information bank will not return it.
Decoration loan.
Introduce three ways to apply for personal housing renovation loans, which you can choose according to your actual situation.
Personal housing renovation loan 1 Application method: bank consumption loan.
After buying a house, buyers can apply to the bank for housing decoration consumer loans with the newly purchased house. The maximum loan amount is 7% of the mortgaged property, and the lender needs to provide specific renovation contract and budget.
Personal housing renovation loan application method 2: unsecured loan.
In addition to mortgage loans, buyers can also try unsecured loans.
Personal housing renovation loan application method 3: use the excess mortgage credit line.
After paying off part of the loan, the buyer uses the extra credit line. If the total mortgage loan for house purchase is 500,000, after a certain repayment period, 300,000 loans need to be repaid, and an additional credit line of 200,000 can be used. With this quota of 200,000, you can apply for a consumer loan from the bank.
The above is about how to apply for a personal housing renovation loan. Friends who have questions in this regard can take a look and hope to help you.
If users want to apply for decoration loans, they can apply through banks or third-party institutions. No matter how to apply, ordinary users who want to apply for decoration loans need to meet the following application conditions:
1. The borrower must be 18-65 years old and be a legal citizen of China;
2. Valid ID card, household registration book or proof of marriage relationship;
3. The borrower needs to have a fixed residence in the place where the loan is applied;
4. The borrower must have a stable economic income for more than one year and have the repayment ability recognized by the lending institution;
5. Property certificate of the house to be renovated with the name of the borrower or spouse;
6. The borrower has a good credit status and cannot have a bad credit record;
7. The borrower shall provide the use certificate approved by the bank, including but not limited to the decoration project contract signed by the decoration enterprise and the contract for purchasing decoration materials, to prove the purpose of the loan.
8. Other conditions required by banks or financial institutions.
Users who meet the loan conditions can apply for decoration loans with the materials required by lending institutions. Generally, there will be corresponding staff to guide users, and borrowers will submit corresponding materials to apply for loans according to the requirements of staff. After the decoration loan is approved, the lending institution will directly call the user to handle the loan procedures and handle the corresponding loan procedures. After the loan is received, it can be used for decoration and can be repaid according to the contract.
How long does it take for the loan to be approved? Will the bank return the information or wait forever?
The normal approval time for bank mortgage loans is 3-6 weeks.
If it is bank mortgage information:
1, you can go to the credit department of the bank to apply for a refund;
It doesn't matter if you can't get it back, because the bank's set of information needs the guarantee of the developer and my consent to take effect.
These information documents include:
1. Original and photocopy of the borrower's valid identity certificate;
2. Local permanent residence or valid residence identity certificate;
3 proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy;
4. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage;
5. A written document that the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount;
6, the guarantor's credit certification materials;
7. Collateral appraisal report issued by the appraisal department recognized by the society;
8. Other documents and materials stipulated by the bank.