1. Credit status: The credit status of the loan applicant is one of the important factors in applying for a loan. Banks usually evaluate personal credit history, income stability and ability to pay. If a person has good credit and a stable source of income, it may be relatively easy to get a loan.
2. Down payment ratio: According to China's housing purchase policy, buyers need to pay a certain percentage of down payment, and the rest can be paid by loan. Generally speaking, the higher the down payment, the greater the chance that the loan will be approved. So consider whether you have enough savings to pay the down payment.
3. Repayment ability: Banks usually evaluate borrowers' repayment ability. For a bachelor, personal income may be limited, which may affect the loan application. Banks can assess individual monthly payments as the maximum amount that borrowers can afford, and refer to their total income and total expenditure.
4. Debt situation: In addition to mortgage, other personal debts are also one of the factors considered by banks. Banks may pay attention to other loans or overdrafts of borrowers and evaluate their overall repayment ability. Therefore, it is very important to know your own debt situation and make a repayment plan.
To sum up, it is not easy for a bachelor to buy a house with a loan of 6.5438+0.5 million yuan, and factors such as personal credit status, down payment ratio, repayment ability and debt situation need to be considered. Before applying for a loan, it is recommended to comprehensively consider these factors, consult the big data platform, and clearly understand your debt and overdue information, so as to make a better repayment plan.