As the saying goes, if you don't buy a house at the end of the year, you will be busy for nothing. On the occasion of the Spring Festival, I believe many buyers will return home to buy their own homes to reward themselves for a year's hard work. However, in the face of high housing prices, most property buyers can only buy houses through loans. Here, Bian Xiao wants to say that during the Spring Festival, the following six types of people can easily get mortgages. Look at you.

First, people who are willing to accept high mortgage interest rates

Judging from the current situation, in fact, for property buyers, the mortgage interest rate is still quite high. In other words, if buyers are still looking for low mortgage interest rates and are always unwilling to accept high mortgage interest rates, then I am afraid it is difficult to get a mortgage. Therefore, people who are willing to accept high mortgage interest rates are often more likely to get bank loans. After all, banks can make more money.

Second, people who have been in a company for a long time.

If a homebuyer stays in a company for a long time, it means that this person has strong working ability and stable personal income. In this way, the risks taken by banks are even smaller. So generally speaking, banks will be more willing to lend to such people.

In addition, when banks approve mortgages, they will also have certain requirements for the income of borrowers, such as not less than twice the monthly payment. If the borrower's income is higher, banks will generally lend quickly. However, what you need to pay attention to is that high-income people engaged in high-risk jobs such as fireworks and firecrackers are generally easy to be refused loans by banks.

Third, people with good credit information.

Good personal credit information is a prerequisite for borrowers to obtain mortgage loans. If your personal credit record is bad, it will be difficult to get your mortgage approved.

Therefore, everyone must pay attention to keeping personal credit information good, and there can be no overdue repayment.

Fourth, become a VIP customer of the bank.

For VIP customers, banks will naturally give certain preferential treatment, that is, when VIP customers apply for housing loans, they will not only lend faster, but even lower the mortgage interest rate. Therefore, buyers may wish to become VIP customers of banks, so that they may get mortgages quickly.

Five, there are other large assets.

In order to prove his ability to repay the loan, in addition to the income certificate, the borrower can also provide other large assets certificates, such as shops and luxury cars. In short, as long as you have enough other assets, the bank will lend you money soon.

6. Married and have a stable family.

When applying for a mortgage from a bank, married people often have enough say, especially those who are married and have stable families. These people will be recognized by banks as having strong economic ability. If the husband and wife apply for a mortgage together, and both parties have good credit information and good income proof, then the probability of successfully obtaining a mortgage is much higher than that of those single lenders.