2. In case of non-malicious overdue repayment, you can go to the relevant bank and ask the staff to issue a non-malicious overdue certificate. With this certificate, you can still borrow from the bank, but the loan amount is relatively low and the interest rate is relatively high.
3. If it is only the bad record caused by overdue credit card, there is still a way to remedy it, because the bad record generated by credit card is only archived for two years at present, so as long as the buyer keeps repaying on time in the next two years, the new record will cover the previous record, and then the personal credit will return to normal. However, the regulations issued by each bank are different. Some banks refresh their records every five years. By then, property buyers can apply for loans normally.
What are the factors that affect mortgage approval?
1, personal credit record.
When applying for a housing loan, the bank will first check the borrower's personal credit report. If the report shows that there have been three consecutive or accumulated six overdue repayments in the past two years, most borrowers' applications for housing loans will be rejected. Therefore, everyone must maintain their personal credit in daily life and pay off credit card loans in time.
In addition to overdue records, if there is a bad credit record of being sued and a bad record caused by long-term arrears of water and electricity charges, it may affect the loan approval. Therefore, the water and electricity bills at home must be paid in time to avoid being rejected when applying for a mortgage loan.
2. Repayment ability.
Speaking of repayment ability, in addition to personal credit records, banks will also focus on the repayment ability of borrowers. If the debt is too large, or the income and work are unstable, it will affect the approval of mortgage loans. In the examination and approval of mortgage loans, the occupations with high scores are civil servants, teachers, doctors, lawyers and certified public accountants, and industries with strong competitive advantages are also very popular, such as financial power supply industry. At the same time, the more educated people are, the easier it is for them to apply for bank loans.
In addition, applicants need to be between 65,438+08-65 years old, of which 25-40 years old is the most popular group, followed by 65,438+08-25 years old and 40-50 years old, and 50-65 years old. Housing loan applications are generally not approved. Repayment ability includes family annual income, family net income, family financial assets and other assets. High-quality customers considered by banks include: annual household income; 200,000 yuan, 500,000 yuan for family financial assets, 6,543,800 yuan for family net income and 500,000 yuan for other assets.
3. down payment.
According to the requirements of the bank, customers who apply for mortgage loans need to have a certain down payment. Generally, the down payment ratio of the first home loan is not less than 30%, and the down payment ratio of the second home loan is not less than 60% (some cities require not less than 70%). Therefore, customers applying for mortgage loans must prepare enough down payment. Generally speaking, the more down payment a borrower makes, the easier it is to get a loan.
In addition, in order to get a loan quickly, before applying for mortgage, the borrower should consult the lender clearly about "what procedures are needed for mortgage" so as to make preparations in advance.
4. The debt is too high.
In addition to personal credit information will affect the approval of mortgage, the borrower's debt will also affect the approval of loan. For example, the monthly repayment of credit cards exceeds 50% of monthly income, or the repayment of existing car loans and mortgage loans exceeds 50% of monthly income.
Therefore, before applying for a housing loan, the borrower must first confirm the factors that affect the approval of the housing loan, so as to avoid problems as much as possible and thus affect the loan application.