1, personal credit record is bad. Before the loan, banks usually know the applicant's credit history and repayment ability through personal credit report. If the applicant for housing loan has ever had a credit card overdue, delinquent, delinquent housing loan or other bad credit records, the bank may refuse his loan application. If you don't know your credit history, you can use websites such as "Songguocha" to inquire about your online loan big data information. This database cooperates with more than 2,000 online lending platforms, and the query data is very accurate.

2. The income is not high enough. Banks usually assess the repayment ability of individuals to judge whether they can approve the application for housing loans. If the applicant's income is not enough to pay the monthly mortgage, the bank may also refuse his loan application.

The appraisal of this house is too low. Banks will entrust a professional appraisal company to evaluate the value of houses when they examine the application for housing loans. If the evaluation result is lower than the amount required by the loan applicant, the bank may also reject its loan application or require the applicant to provide a higher down payment.

In addition, different banks have different loan processes and approval criteria, and some details may also lead to rejection of applications or long approval time. Applicants are advised to know the approval process of the bank in detail before applying for a housing loan, and prepare relevant application materials in advance to improve the success rate of loan application.