1. The borrower's qualification is poor. After receiving the personal data provided by the borrower, the bank will evaluate the users according to their comprehensive qualifications. From the repayment ability, credit information, age and other aspects. If the user's personal qualifications are good and the loan risk is relatively small, the loan interest rate will naturally be relatively low. If the user applies for a higher loan interest rate, the risk of the mortgage loan is relatively high, and the bank may choose to increase the user's mortgage interest rate to ensure the safety of funds. Therefore, users should strive to improve their comprehensive qualifications. As long as they gain the trust of banks, it is possible to lower their mortgage interest rates.
2. The bank line is tight. In the past, banks would deposit a large amount of loan funds into mortgage business, with excellent assets and stable returns. However, affected by the policy, the funds that banks can invest in mortgage business are limited, and the lending quotas of different banks are not the same. In order to screen better users and stabilize mortgage loans, banks will raise mortgage interest rates and raise the threshold for applying for loans. Therefore, users can submit applications during the low peak period of loan application, and don't blindly submit applications, otherwise the loan application will be rejected.
3. make a profit. Everyone's economic conditions are getting better and better, and the demand for housing in various places has also increased a lot, especially in Beijing, Guangzhou, Shenzhen and other cities. For banks, the more people buy houses, the more profits they can earn. It is also a good choice to raise the mortgage interest rate appropriately.
The above is the introduction of the reasons for the high mortgage interest rate. Users can take different solutions according to their actual situation, such as improving their comprehensive qualifications and submitting loan applications at the low peak of loan applications to reduce their mortgage profits. In addition, in the process of applying for a loan, users should also consider their own needs and repayment ability, and submit the application within the scope of economic permission to avoid excessive borrowing and eventual inability to repay.