1. Credit report: The credit report is the embodiment of the borrower's personal credit. A good credit report shows that the borrower has good loan and repayment habits, and it is more likely to repay the mortgage on time in the future. Credit reports are usually based on families, and banks often check the credit reports of both husband and wife.

2. Existing housing situation: At present, many cities in China implement the policy of restricting purchases and loans, so banks will review the applicant's existing housing situation, and the number of existing houses under the borrower's name and repayment will directly affect the down payment ratio and loan interest rate of future purchases.

3. Income certificate and bank running water: The borrower's income and running water are important items for bank audit, because these two items directly reflect his repayment ability. Generally speaking, the bank's requirement for repayment ability is that the monthly income is twice that of the monthly payment. If the borrower is repaying other loans, the income must be twice the total monthly mortgage payment of the existing loan. Bank running water usually needs to be provided within 6 months. It is recommended that buyers use bank cards with more traffic transactions when applying for loans.

What does the loan review generally review? These are the most important things!

Now, whether you go to the bank for a loan or borrow money through mobile phone software, you need to review it. Review time varies from a few minutes to a few days. In addition to the borrower's personal identity information, the credit report is an important object of review. So what is the specific content of the review? Let's get to know each other.

Loan records for one or two years

The credit report will have the borrower's detailed personal data and loan records, and banks and financial institutions will focus on six aspects. First, the lending institutions, second, the total amount of loans, third, the types of loans, fourth, how many loans are still outstanding, fifth, the amount of loans to be repaid every month, and sixth, the situation in loans overdue.

As can be seen from the above, the borrower's debt ratio and repayment pressure are not great, so it can be judged whether the borrower has enough repayment ability to avoid the subsequent loan being unable to repay due to excessive pressure.

Second, credit card records.

Information such as application, installment, overdue and rejection can be reflected in the credit report. Banks mainly look at the current number of credit cards, the total overdraft of credit cards and the overdue situation of credit cards.

I suggest you don't apply for too many credit cards, 2-5 or so are more suitable. Too many cards will inevitably lead to the suspicion of cashing out the cards, so it is more difficult to apply for other businesses.

Third, personal data.

Bank financial institutions will compare personal information such as name, education background, date of birth, age, home address, contact information, marital status, work unit, telephone number, education background and spouse information with the loan application form to see if there is anything false or forged.

In short, the loan review will not only compare your personal data, but also analyze your assets and liabilities to see if you meet the conditions for loan and card application. If you don't meet them, you will refuse them directly.

What is the focus of loan review?

When inquiring about the credit information of borrowers, general lending institutions will inquire about the credit information records of users in the past two years, mainly checking the following contents:

1. Personal information: The personal information of the user will be recorded in the credit report, including name, age, address, telephone number, education background, work unit and other information, and then compared according to the personal information submitted by the user to see if the information is consistent for review. Therefore, users must not cheat when applying for loans. After all, your personal information will be recorded in detail in the credit report. Once false information is provided, the loan will fail.

2. Number of credit inquiries: Every time a user is inquired about credit, there will be a record. If the number of credit inquiries is more and the time for applying for loans is shorter, then it means that he has applied for more loans, and his economic situation is not very healthy, which may affect the application results of his own loans.

3. Liabilities: Lending institutions will check the current loan situation of users, including lending institutions, loan amount, remaining unpaid amount, etc. If users are currently repaying more loans, it means that they have more debts. Once they have more debts, the chances of applying for new loans will be very small.

4. Overdue situation: The lending institution will check whether the user has overdue repayment. Generally, the accumulated overdue debts cannot exceed two times in two years, and these two times cannot be close to the present time. It is best not to be overdue within half a year, otherwise the user's loan will basically not be approved.

5. Open information records: Lending institutions will check the social security payment and various living payment of users, so as to understand the current living conditions of users, and will also roughly calculate the income of users, so as to conduct loan review.

General bank loans will be completed within one week after the loan is approved. If it is a mortgage, it depends on whether the current bank lending funds are tight. If funds are tight, it may take 1 month or even longer to lend money. With sufficient funds, the loan can be completed in a week or two.

In addition, the lending time of different loan products is not necessarily, such as credit loan business, which can be completed on the same day at the earliest.

So much for the introduction of what a loan is to be audited.