Usually, banks have restrictions on the age of borrowers, and the stipulated age is 18-65 years old. If the borrower is 50 or 60 years old, the application for a loan may be rejected at this time, because at this age, the bank will take greater risks for fear of physical problems.

Second, the purchase of second-hand housing is older.

Banks also have requirements for the age of the houses they buy when approving loans, generally 20-25 years, but some banks may be a little different. It can be said that the shorter the housing age, the easier it is to get loans, and the loan amount applied for will be higher. The older the house, the more likely it is to be rejected for a loan.

Three. The borrower is engaged in the sales industry.

When approving loans, banks will pay more attention to the industries in which borrowers are engaged. Generally, people in civil servants, teachers or doctors will get higher scores, so it is easy to get loans. Borrowers engaged in the sales industry are easily rejected by banks, because the income of salespeople is uncertain, sometimes high and sometimes low, and banks cannot accurately evaluate their repayment ability, so they may refuse.

Four, the borrower's medical insurance and pension insurance payment is unstable.

When approving loans, some banks will pay more attention to whether the borrower's medical insurance and endowment insurance are paid normally, because both of them belong to employee insurance, and the payment situation reflects the lender's work from the side. If the borrower's payment is unstable, it means that his job is unstable and his income is unstable. The bank is worried about his repayment ability, and such a borrower may be rejected.

When approving the loan, the bank will evaluate the borrower's occupation, education, age, age of the house purchased and income status. In addition, in order to handle the mortgage smoothly, buyers also need to maintain their own credit information.

So, under what circumstances may it lead to a bad credit record?

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. The loan interest rate has increased, or will it be paid back at the original amount? Monthly payment? , resulting in overdue interest.

5、? Sleep credit card? If you don't use it after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Economic disputes such as debts will also affect credit records.

9. Water, electricity and gas charges are not paid on time.

10, personal credit card cashing behavior.

1 1. Outstanding student loans.

12. Mobile phone charges are linked to bank card charges. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.

Of course, the requirements of different banks may be different, so you'd better consult the local loan bank to understand the policy changes in advance and be prepared to buy a house.