1 has a good credit report.
When applying for provident fund loans, the provident fund center will pay more attention to credit reporting, and there can be no record of non-performing loans on the credit reporting. If there is a credit stain due to overdue in the past, the mortgage application that may be directly rejected by the provident fund center after review will have a greater impact.
2. The balance of the provident fund account is sufficient.
The balance of the provident fund account will directly affect the loan amount. The loan amount of general provident fund is 10 to 20 times of the account balance, and the deposit base of provident fund will also affect the loan amount of provident fund.
How to determine the specific amount of provident fund loans needs to be subject to the notice of the provident fund center. If the balance of the provident fund account is insufficient, the loan application may fail, or the loanable amount is insufficient.
The income is more than twice the monthly payment.
When applying for a mortgage, the provident fund center will require more than twice the monthly income.
The provident fund center will judge the income through the income flow and income certificate. If the income does not meet the requirements, it may also lead to the failure of the provident fund loan application.
4. The debt ratio shall not exceed 50%.
When applying for provident fund loans, the provident fund center will pay attention to the debt situation. Under normal circumstances, the debt ratio should not exceed 50%. The higher the debt ratio, the greater the economic pressure, the higher the possibility of overdue in the future, and the provident fund center will have more concerns.
5. There is no provident fund loan under the name.
When applying for provident fund loans, if there are still outstanding provident fund loans in your name, the loan application will not pass, which is something that needs to be understood in advance.
6. Have full capacity for civil conduct.
When applying for provident fund loans, you should not be obviously unable to bear the debt responsibility for physical reasons or other reasons. If you don't have full capacity for civil conduct, the provident fund center will not issue it.
7. Age should meet the requirements.
First of all, you need to be an adult, but the loan age should not be too high. The longest term of provident fund loans shall not exceed 5 years after retirement. For example, the longest period of retirement at the age of 60 can only be loaned to borrowers at the age of 65.
If the age exceeds the limit of the local provident fund center, the application for provident fund loan will also fail.
8. The housing area shall not exceed the limit.
When applying for provident fund loans, provident fund centers in some areas will limit the area of houses purchased, especially when buying second suites. For example, provident fund centers in some areas will require provident fund loans to buy two suites, with an area of no more than 1.44 square meters. You can find out in advance.
9, can provide complete information.
Need to pay the corresponding down payment according to the requirements of the provident fund center, need to keep the original down payment invoice, need to handle the loan, need to properly keep the purchase contract and deposit payment voucher.
10, the second suite is not a small property right house.
According to the requirements of provident fund loans, small property houses cannot apply for provident fund loans. The so-called small property houses refer to houses built on rural collective land, which need special attention.
If you meet the above conditions when buying a second suite, you can apply for a provident fund loan to minimize your mortgage pressure.
If you are not clear about your debt and online loan data, you can get an online loan big data report from Cuifeng Data, which contains detailed online loan application records, overdue details, blacklists and other data.
Extended data:
How to deal with the house where the lender dies and defaults?
This is usually the way the lender dies and forecloses on the house.
1. After the death of the lender, the house shall be inherited by its legal successor, and the successor shall inherit the mortgage debt at the same time, that is, the successor shall continue to repay the mortgage loan, which is stipulated by relevant laws.
However, the heirs can choose to inherit or give up. The first order of inheritance should be spouse, children and parents, and the second order is brothers and sisters, grandparents and grandparents.
The bank auctioned the house to repay the mortgage. If the heir gives up inheriting the property, the house will be auctioned by the mortgagee, that is, the loan bank, and the mortgage debt will be paid off with the proceeds from the auction.
If the auction proceeds are not enough to pay off the mortgage, then some banks can no longer pursue it and can only write off bad debts; If the proceeds from the auction remain after paying off the mortgage, then the remaining heirs have no inheritance right, because the heirs have given up the ownership of the house.
3. The developer is responsible for repaying the loan. After the death of the lender, if there is no heir to the house, or the heir abandons the inheritance of the house property and the real estate license is not completed, then the house is generally kept and disposed of by the developer.
The developer can choose to continue to repay the mortgage, or auction the house in cooperation with the loan bank, and the proceeds from the auction will also be used to pay off the mortgagee's debts in priority.
The guarantor is responsible for repaying the loan. When many older lenders apply for a mortgage, the bank will ask the guarantor or borrower, just to avoid the risk that the mortgage will not be repaid after the lender dies because of his age.
Therefore, after the death of the lender, the guarantor who needs to bear joint and several liability for mortgage must fulfill the repayment obligation. The guarantor can be the immediate family member of the lender and can fulfill the repayment obligation after inheriting the inheritance; The guarantor can also be a third-party guarantee institution, and after fulfilling the repayment obligations in accordance with the guarantee contract, he can enjoy the priority of compensation for the house.