The first one: our personal loan is an easy problem.
We personally applied for something good. In fact, under normal circumstances, there will be two extremes.
1. Self-righteous, with a house and a car, stable job and high income. I borrowed 80,000 from your company. Are you asking this and that?
2. I am timid. I ask you to lend me money. I really need this money now. I promise to repay it on time.
Banks are all risk-controlled, so you must know your basic situation in detail and make sure you can get the money back before you can lend you money with confidence. When borrowing money, we just need to be modest, not timid. In fact, banks and intermediaries are no different, just profit-making institutions.
bank loan
Second: Understand and analyze the advantages of loan intermediaries.
1. Intermediary has an advantage in scale, so when we dock, a customer is a group of customers, which is completely different. Whether it is efficiency, basic concepts, single rate, etc. It's different.
2. When making a loan, the intermediary can help with the materials. The information needed for the loan is troublesome, and it takes a lot of time and energy to connect them one by one. However, the intermediary is different. The intermediary has already screened the customers when taking the order, and sent away the inappropriate customers. For compliant customers, the intermediary will take all the information prepared by the customer to the bank and sign it on the spot.
Third: Intermediaries are generally authorized by banks to cooperate.
In fact, some products of banks will cooperate with powerful loan intermediaries. Under normal circumstances, most of the platforms where we can borrow money come from banks. Some people will say that I borrowed it from a small loan platform. In fact, not necessarily, the money of the small loan platform also comes from the bank. So his interest rate will be high, because his money is also borrowed from the bank. In this regard, platforms generally need financial licenses.
If it is our personal loan, if we ask this question today, the information we will bring tomorrow will be incomplete. Intermediaries are different. After the materials are fully prepared, you can generally handle the final payment directly, which saves a lot of trouble.
Is it useful to find an intermediary if the mortgage can't be done? What if I pay the down payment but can't get a mortgage?
In the process of buying a house, most people will choose loans to buy a house, and bank loans will be approved only after review. However, if there is something wrong with personal credit information, it will affect the progress of mortgage. Then, if the mortgage can't be done, is it useful to find an intermediary? Do you want to leave your job if the mortgage doesn't come down? Come and have a look at the introduction I brought!
Is it useful to find an intermediary if the mortgage can't be done?
If you can't apply for a mortgage, it may be useless to find an intermediary, because there are many reasons why banks refuse customers' mortgage applications. If the customer's credit report is poor and overdue, in this case, the intermediary can't eliminate the customer's overdue record and will still be rejected.
Even if the customer wants to find an intermediary, when looking for an intermediary, the customer also needs to pay attention to the following aspects to avoid being deceived and causing economic losses.
1. Don't believe it can eliminate credit information.
2. Don't pay too much in advance.
Don't show your ID card and bank card easily.
4. All verification code requests from customers will be rejected.
The bank's review of mortgage is very strict, which requires customers to meet the requirements in terms of credit information, income and liabilities. Finding an intermediary may involve fraudulent loan materials. Once this situation is discovered by the bank, the bank will directly refuse the loan application.
Therefore, before formally applying for a mortgage, customers can prepare their own information, go to the bank to consult whether their qualifications can apply for a loan, and make corresponding loan preparations.
If the mortgage hasn't come down, do you want to quit?
It's best not to leave your job before paying the mortgage. There are still some variables before the customer applies for a mortgage. After the customer leaves his job, his income, social security contributions and provident fund contributions will be interrupted. In the process of mortgage review, once the bank finds this situation, it will doubt the customer's repayment ability, which may affect the mortgage repayment.
Banks are stricter in examining housing loans, requiring customers to meet the following conditions:
1. Good reputation.
2. Stable income.
3. The debt ratio is not high.
4. The age meets the requirements.
5. Pay the down payment as required.
If the mortgage is refused because of the customer's own reasons, the customer needs to raise enough repayment funds within the specified time. Otherwise, the developer will hold the customer liable for breach of contract, and the deposit paid by the customer may not be refunded.
Therefore, before formally applying for a mortgage, customers can prepare their own materials and consult the bank to see whether their qualifications can apply for a mortgage and how many mortgages they can apply for.
What should I do if I pay the down payment but the mortgage can't be done?
After paying the down payment, but the mortgage can't be done, the customer can raise enough funds to buy a house in full within the specified time, or take the initiative to negotiate with the developer to get the down payment back. However, according to the requirements of the purchase contract, if the mortgage fails due to the customer's own reasons, the developer has the right to investigate the customer's liability for breach of contract.
Can the real estate agent help with the mortgage?
Yes, you can, but you'd better do it yourself. As long as you find a real estate agent, they will help you. You just need to provide the materials they ask you to provide. If you buy real estate in an intermediary company, the intermediary company can help you with the mortgage.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; To apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
The bank mortgage was not approved, and the final payment was due. Is it related to the intermediary?
This has nothing to do with the intermediary. The economic problems caused by your bank loan not being approved are your own responsibility, and the intermediary is just a bridge.