1, poor personal qualification
If you apply for a mortgage loan without good personal qualifications, the bank will refuse your loan application. Because a good credit record has become the main condition for banks to judge whether you have the ability to repay loans and principal and interest.
2. Unreasonable use of loans
You go to the bank to apply for a loan. What is the purpose of applying for a loan? This is a basic question that every loan officer will ask. If your loan is used unreasonably, the bank will refuse you. Because the bank should ensure that the lender does not use the loan for high-risk investment, and can borrow and repay it, there is no risk of not getting it back.
3. Debt
Of course, whether you have a large amount of debt is also one of the conditions for you to apply for a bank loan. If you have applied for other loans before applying for a mortgage loan, and you are still paying back, the new repayment amount will be rejected by the bank if it exceeds 50% of your monthly income. Because this limit is exceeded, the bank has doubts about whether you can repay the loan on time and in quantity.
4. The mortgaged property does not meet the requirements.
Also, the properties you mortgaged are houses for public welfare purposes, houses with outstanding loans, houses with small property rights without real estate licenses, affordable houses less than five years old, second-hand houses with long housing age and small area, buildings under cultural relics protection, illegal buildings or temporary buildings, houses that cannot provide purchase contracts or purchase agreements, houses with disputed ownership, houses within the scope of demolition, etc. , does not meet the conditions of real estate mortgage loan.