1. Let's see if there are any commercial micro-loans recorded in your personal credit report. If it is recorded, it is your debt. At the same time, you should also consider the repayment of this commercial loan, that is, whether it is overdue. 2. If the current income can cover commercial loans, and the credit information under your name is in good condition. You can still apply for a mortgage loan from the bank.
The second loan of ICBC mortgage house was rejected.
Because there are differences in loan handling between different regions and different customers, in order to solve your problem as soon as possible, it is recommended that you contact the loan branch for verification. You can pay attention to the official account of "China Industrial and Commercial Bank Customer Service" WeChat, and reply to the "loan outlet" to inquire about the phone number of the loan bank.
(Answer time: June 5, 2020. In case of business changes, please refer to the actual situation. )
Second-hand housing mortgage, all information is done by ICBC, refused to lend. Can I change banks?
Yes, you can. You can change banks after the mortgage is rejected, and you don't have to apply for a loan at this bank. However, if the developer has a cooperative relationship with the bank, the terms of the contract stipulate that the loan can only be made at this bank. If you change banks, it may involve breach of contract and you need to negotiate with the counterpart of the contract. If the bank loan is not allowed to change, the contract may be difficult to continue, and the issue of liability for breach of contract will be discussed later. You can change bank loans and most of the data can continue to be used. However, the audit requirements for career-changing loans may be different, and the information required by the loan handling bank shall prevail.
Therefore, it is suggested that if the mortgage is rejected, you must contact the bank and ask why the loan was rejected. In practice, the applicant's credit history, salary level, debt level, traffic loss, overdue repayment of credit cards, and too many times of credit inquiry will all affect the issuance of bank loans. If you find the real reason, try to remedy it, otherwise it is unlikely that you will change banks to issue loans.
Reasons for refusing mortgage:
1, maliciously overdue.
If borrowers have the habit of using credit cards at ordinary times, they should pay attention. There are many cases where credit cards are overdue. For example, individuals do not understand the provisions of the bank repayment date, and the staff did not clearly inform the repayment date. If the borrower fails to repay the loan on time after applying for a student loan at the university, it will also be counted as overdue. Subjectively, the cardholder intentionally overdraws within the time limit and limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank, which is a malicious overdue.
2. Credit information query records for many times.
I don't know if you realize that personal credit information can't be inquired frequently. If the borrower's credit information report is inquired three or four times or more in a period of time, but it shows that he has not obtained a new loan or applied for a credit card, it may mean that "he applied for a loan or a credit card from a number of banks, but failed", and this information may adversely affect obtaining a new loan or applying for a credit card.
3. Guarantee huge debts for others.
If the borrower intends to borrow money to buy a house, then it is best not to guarantee huge debts for others. When vouching for others, we should also be based on his own ability. Do not exceed your own ability, and do not use your own real estate and other necessities as collateral. It is best to write "general guarantee" in the contract, otherwise it may bring you huge debts.
4. The income does not meet the requirements of the loan bank.
When reviewing the borrower's information, the bank will evaluate the borrower's income, and the bank will ask for proof of income. Generally, the relationship between income and mortgage can be expressed by the following formula: monthly income = monthly mortgage payment X2. If the borrower is still repaying other loans, it also needs to be included. If the income of the purchaser does not meet the requirements of the bank, it will basically be appropriately rejected by the bank.
5. The borrower is engaged in high-risk occupation.
Banks also need to consider the borrower's occupation when approving mortgages. If the borrower is engaged in teachers, doctors, finance and other industries, the score will be higher. For people engaged in high-risk industries such as aerial work, dangerous chemicals, fireworks and firecrackers, the bank considers that such people may be in danger at any time and cannot guarantee to repay the loan on time. In order to avoid risks, it refused to lend money to such people.