The bank approves the lender's information and meets the bank's minimum requirements before the bank can lend to the lender, otherwise the bank's lending is at risk.

So, the bank does not know you, how does the bank come to know you as a person? How to determine whether lending to you would be risky?

This is from the information you have to submit to the loan you can judge, the bank is using what information to judge you.

Although the bank does not know you, the bank can understand you from the information you provide, including three main aspects.

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If you are not an honest and trustworthy person, and there is a chance that you will not return the money that the bank lends you, then there is a risk that the bank will lend you a personal loan. The bank assesses the risk as higher, then it will reject your loan application.

How does the bank determine your personal credit?

That's your personal credit report printed by the People's Bank of China. Your borrowing from other financial institutions, including the online lending you use, credit card lending, etc., and your borrowing from these institutions are all recorded in the People's Bank of China's credit record.

Not only is the borrowing recorded in the People's Bank of China's credit report, but also any unsuccessful loan applications from other financial institutions will be recorded. Whenever you apply for a loan from any other financial institution, even if it is unsuccessful, your loan application will be recorded.

The most common is the use of credit cards, you use the credit card has too much late, the bank will directly pull you into the refused loans in the category of people. If the delinquency is not very serious, then the bank thinks you didn't mean to be late, and although there is some risk in lending to you, it's not a big risk, and they will still lend to you.

If you frequently apply for loans, the bank based on your credit judgment, that shows that you are a very short of money, loans to you will also be at risk.

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When the bank inquires about your bank account, how much you earn, how much you spend, and how much surplus you have each month, the bank will see your income and expenditure clearly according to your account.

If your income is greater than your expenses, you will be able to repay the bank's mortgage loan; if your income is less than your expenses, you may not be able to repay the bank's mortgage loan.

The purpose of the bank looking at your current account is to see if you have the income to repay the bank's mortgage.

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Some banks require a proof of employment when your monthly payment reaches a certain amount; others don't require one.

Proof of employment includes your annual salary, job title, workplace, and years of service, etc. This information is used to determine whether your job is sustainable, whether your income is stable, and whether your income will increase over time, so that you can determine whether you have the ability to repay the loan in a sustainable manner.

The process of bank approval is that you first submit the information, the bank specializes in having account managers to review your information, and after the review is passed is the review, by the bank's risk control department, and then by the bank's legal person to review and sign.

From the analysis of the above points,

The bank mainly through the lender's credit, bank current, proof of work to comprehensively determine whether you meet the bank's loan requirements.

The purpose of checking credit is to see if you are an honest and trustworthy person, for those who do not trust, the bank will not lend; bank current is to see if you have the financial ability to repay the bank's mortgage; and proof of work is to see if you have the ability to pay back the loan on a lasting basis, after all, the mortgage is a loan of 20 years to 30 years, there must be a lasting work to ensure that you can pay back the loan on time.

A good credit score shows that you are a creditworthy person; enough running water shows that you have the financial ability to repay the loan; and a proof of employment shows that you have the lasting ability to repay the loan.

You are an honest and trustworthy person, and have a lasting repayment ability, you apply for a bank loan will of course be passed; on the contrary, you do not keep the credit, no repayment ability, the bank will reject your loan application.

The bank approves the mortgage mainly depends on three aspects, one is the credit report, two is the bank water, three is the income proof .

1, credit record

Credit record is the threshold for mortgage approval, if there is a big problem with credit, then no matter how high your income, it will be a direct rejection of the loan. The bank looks at the credit mainly to see whether the lender has a record of late, how many times the record of late. Generally speaking, "three in a row, six in a row" will basically be rejected, that is, three consecutive or accumulated six times late. So be sure to manage your credit history, don't have a credit card late or a loan late.

2, bank water

Bank water is used to determine the ability of the lender to repay, bank water can largely reflect the lender's income. The bank generally requires that the lender's monthly bank income flow in the monthly payment of 2 times or 2.2 times more. If you can't reach it, you are likely to be refused a loan or reduce the loan amount.

3, proof of income

Proof of income is also used to determine the ability of the lender to repay the loan, but also to see the stability of the lender's work and income stability. Proof of income needs to be stamped by the company or organization, which can also check whether the lender's workplace is of high quality.

In general, if the lender has no problem with the above 3 aspects, then the loan approval is basically no problem.

This is a very good question! A lot of home buyers in this convenient is not clear, then I'll answer you this question, I hope you can be useful.

First, you mortgage to buy a house, the bank needs you and the couple to the People's Bank of China to play credit report, the bank will check whether you have a bad credit record and whether the late serious. If more than 3 times 90 days cumulative bad late record banks are refused loans. The two sides of the husband and wife of any one can not.

Second, in addition to the above audit requirements, there is to provide proof of income.

① Proof of income: 2.2 times the monthly payment of your mortgage house. For example, your monthly payment is 5000 yuan / month, then your proof of income requirements in more than 11000. Husband and wife add up to enough numbers to be able to.

② bank water: bank water is your company unit and do business with the income deposit and expenditure details. The bank will also check this thing. If you do business on your own to provide a business license.

③ proof of marriage: if you are married, you need to provide a marriage certificate and account book, ID card and other information submitted to the bank, there can not be false information, otherwise it will have been dealt with in the form of fraudulent loans.

Third, the release time

After you submit the information, the bank will call your workplace to verify the information, and you personally verify the housing situation to confirm that there is no error 40 working days after the release.

In fact, the choice of state-owned banks or national joint-stock commercial banks and small and medium-sized local banks, for personal housing loans, relatively speaking, the audit mechanism is relatively lax, in general, as long as the applicant for personal housing loans, personal credit no bad record, basically can be a normal personal housing loans.

The first is to check the personal credit information of the buyer through the personal housing loan applicant;

The second is to determine whether the applicant has a stable income and the ability to repay the loan through the work certificate and the bank current;

The third is to check the credit information of the buyer through the Internet, and the information of each bank is to check the credit information of the buyer;

The second is to determine whether the applicant has a stable income and the ability to repay the loan through the work certificate and the bank current. As the Internet becomes more and more developed, and each bank information **** enjoy, the major banks for various loans, the first item is the big data wind control, review the applicant's big data information left in the Internet, nowadays the big data is more and more perfect, it can be said that more perfect than the central bank credit, hotel records, criminal records, illegal records, the court has been prosecuted records and other information will be displayed (if there is a state of prosecution can not be processed). The first thing you need to do is to get a good deal of money to pay for your home.)

What is the reason for this?

In previous years, the major banks are indeed unable to query the Internet, the applicant's basic information; but at present for the major banks of the recorded users, history credit information are interoperable **** enjoy, and cooperation with big data enterprises, nowadays each bank can query the Internet, the loan applicant's information (the national joint-stock commercial banks to implement the early), but for the The first thing you need to do is to get a good deal of money from the bank to pay for the loan, and then you have to pay for it.

Now the bank review is more strict, the bank review of the detailed internal process is how?

In fact, with the docking of big data, each bank personal housing loans is indeed slightly stricter than before, but not very strict, as long as the buyer's information is true, credit no problem can be normal; review process is actually a review of the buyer's personal information (big data - the central bank credit - the work unit - the bank water).

How long does it take to get a personalized home loan?

The choice of different banks is also different speed of disbursement, if the bank for personal housing loan funds are not very tight case, the audit can be disbursed through the 3-7 days; however, most of the current policy tightening of the personal housing loan monthly fixed limit, resulting in personal housing loan disbursement slower in the case of the local buyers are not too much within 1 month can be completed! Disbursement, individual areas with more home buyers in the case of 3 months to complete the disbursement (more than 3 months are still not disbursed basically are problems, home buyers if you buy a second-hand home to find a real estate agent, new homes to find the developer to solve the problem) Remember that home buyers as long as the repayment bill text message, prompted to start repaying the proof has been disbursed (individual areas to buy second-hand homes will appear, the bank is clearly already disbursed, but the real estate agent to earn home buyers, the bank will not be able to pay back the loan, but the bank will not be able to repay the loan.

In summary: In general, the approval of personal housing loans, relatively speaking, than personal consumer loans and business loans to slacken a bit, because the buyer of the property mortgaged to the bank's name; the bank wind control borrower risk, are currently big data - the central bank credit - work unit - bank water, wind control borrower whether to submit real information and the ability to repay the buyer (through the bank after the loan) The speed of different outlets in different areas varies).

Home loans are one of the most common types of loans offered by major banks, and almost every bank has a home loan business in one way or another.

As this business has a house as collateral, the term is relatively long, often two or three decades, the monthly payment for most people can afford, so in the bank's many businesses, it belongs to the lower risk of a kind.

It is also for this reason that banks are not very strict in their approval, as long as the following aspects are met.

All banks have a requirement for an income-to-debt ratio, or debt-service ratio, for their mortgage customers. Specifically, the borrower's monthly income divided by the monthly mortgage payment should be less than 50%, and the borrower's monthly household income divided by the monthly household debt expenditure should be less than 55%.

The accounting of income comes mainly from the bank stream or income certificate provided by the borrower. Debt is mainly from the credit card on the display. The amount of loan and credit card usage shown on the credit card will be listed as the amount of debt.

If the amount of credit card usage is relatively high, the bank will treat the amount of credit card usage as a liability.

Income-indebtedness is a regulatory requirement that must be met, and it is a cordon sanitaire to make sure that the borrower does not become unable to make ends meet because the loan amount is too high.

Second, creditworthiness

Creditworthiness refers to the strength of the borrower's willingness to repay the loan. The bank's determination of this dimension is mainly based on the results from the credit report and the court's executed information.

Generally speaking, the bank mainly looks at the number of credit delinquencies in the credit report in the past two years, and if the number of delinquencies is more than 8, it is dangerous, and the bank will determine that the willingness to repay the loan is not strong. At the same time, it will also look at the credit report to see if there is a bad debt, capitalized debt, third-party compensation, etc., and if it occurs, there is also a possibility that the loan will not be refused.

If the credit situation is very good, but the borrower is involved in lawsuits, in the court is the executor, then the bank will also be rejected.

For the purchase of a new home loan, there is almost no mortgage, because the sales department of a variety of documents, the bank to see that the documents are complete will agree with the sale price of the property.

For the purchase of second-hand loans, the situation is slightly more complex. The age of the house, the nature of the house, the land ownership, the location of the house may affect the evaluation of the company's evaluation price, naturally, will also affect the bank's access.

Summary:

Although home loans are a relatively easy type of loan, there are minimum conditions that borrowers need to fulfill. These conditions are almost the same across banks, just with different degrees of leniency. For example, some banks require that the number of late payments should not exceed six times, while others require that they should not exceed ten times. It's really not that hard to find the right bank's approval points to get through the process.

The first thing to note here is that the mortgage is definitely the loosest of all the bank loans. Why do you say so, because the purchase of a home for many people is a new need, the loan period can be up to 30 years, so the review is relatively loose.

Question 1: How does the bank review the borrower's information?

Answer: According to the information provided by the customer's ID card, household registration, income proof and other information can directly know the borrower's information.

Question 2: Can they check all kinds of information about the borrower through the network or system?

Answer: Yes, first of all, the borrower's creditworthiness, to see whether the borrower's debt and credit situation can meet the requirements of the loan, the court executor query, to understand whether the customer has a case in the body. Other information that has nothing to do with the loan the bank has no right to query and can not query.

Question 3: Now that the bank review is more stringent, what is the detailed internal process of the bank review?

Answer: The mortgage review is really quite loose.

The process is almost the same for all banks

The account manager investigates - the reviewer examines - the authorized person approves - the approval is registered

Question 4: How long will it take to release the money?

Answer: If their own loan materials are better, the bank line staff is not too busy, the loan approval is generally in about 5 days can be approved. But the release of the matter is very difficult to say, now the country is the size of the mortgage control, that is, your loan approved or to wait for the amount of money released, we are the most extreme case is that there are 5 months to wait until the notification of the amount of money released.

A mortgage approval process

1, the loan applicant to provide goods application form and loan materials

We need to prepare loan materials and loan application form before applying for a mortgage. If you are not sure what loan materials you need to prepare, you can ask the bank for advice when you go to the bank to get the loan application form. And usually loan materials need proof of marital status, ID card, household register, income proof, bank current and spouse's identity proof and other materials. (It is best to consult yourself to the bank's response to prevail)

2, the account manager to enter the system

Loan applicants will be loan application form and loan materials provided to the bank account manager after the bank account manager needs to first of all your materials for the first review, to see if you are ready to prepare the materials are complete, if not complete they will require you to be ready to come back to the application.

Afterwards, they will determine with you the repayment method, loan interest rate, and sign a credit authorization letter with you. Next, they will go through your personal credit to find out your credit status. Usually, they will refuse to lend to you directly if your personal credit is seriously bad, and they will determine whether to give you a pass or not depending on all aspects of the bank's lending situation if you have had a minor overdue record.

After the account manager's initial review, they will need to enter your information into the system and scan and upload it. The time it takes them to enter your information into the system can take a long time, because each account manager can't have just one customer on their hands, and each one can be dealing with dozens of customers at a time.

After entering your credit materials into the system, they will submit your credit materials from the system to the leader for review.

3, the credit review department review

Account managers will submit your materials from the system to the leadership review, your materials will enter the credit review department. At this point, the credit review department will not go into too much detail to review your personal qualifications. However, they usually focus on understanding your personal credit record is good, submit documents are not complete.

4, approver approval

The bank will have a group of people who are specialized in approving home loans. They will repeat the work of the reviewers. If they don't find anything wrong in the process of reviewing again, then your mortgage is basically set to pass.

5. Bank Disbursement

After approval, the account manager will notify you to come to the bank for a face-to-face interview, as well as other mortgage procedures. Then, you can go home and wait for the disbursement, after the disbursement you need to start repaying the mortgage every month.

Second, how long does it usually take for a mortgage to be approved?

The approval process may vary from bank to bank, but basically the overall process should be similar. As for how long it takes for such an approval process to take place, we will have to see how many customers the account manager has on hand, and how much time he needs to spend on entering the system. Of course, it also depends on how much the national policy affects the bank. Therefore, this specific time is really hard to say, fast may be a few days to complete, slow may have to be a few months.

1, "loan trial separation" is the current commercial banks review mortgage mechanism. The first thing you need to know is that you're not going to be able to get your hands on a new car, but you're going to need to be able to get your hands on a new car. He can decide to accept your loan application, decide whether to accept; some customers, conditions are very good, or there are some relations, want more favorable interest rates, the account manager also has only the right to suggest that he does not have the authority to give you a discount on the loan; but he can be reported to the next level, the application;

2, the control of the borrower's risk, there are three main points: 1, is not in line with the local policy; in Nanjing, the family has a suite, can be re-financed, the loan can be re-financed. There has been a suite, you can get another loan to buy a set (local household registration), the original house has no loan, whether the loan is settled, determines how many percent of the down payment you have to pay; your family has five sets of housing, and then give you a loan to buy a house is a violation of the law;

2, the borrower's credit; the bank will go to query the Bank of China's personal credit system, the bank's credit system will also have a score; lending money to the very poor credit people, you do not want the money. The credit report on the overdue, never forget to pay so simple, experienced creditors, a moment to restore your overdue to the scene;

3, the borrower's earning capacity. For most people, a person's income and the work unit he serves is closely related. In addition to the income proof issued by the unit, the creditors will also review your water, bank water can be seen in the source of your income, you mainly spend money in what place; you in what industry, which company, in the unit is what rank, how long the number of years of experience, every month roughly how much income, experienced creditors are a number of; check these materials, but with his heart that answer than just; < /p>

How do you want to know if you can get the money you need to pay for your work? /p>

Hello, I am Lanlan, glad to answer your question, how is the mortgage approved? How does the bank check the borrower's risk? The specific process is as follows:

A credit report inquiry

When you apply for a home loan, first, to authorize the acceptance of the bank in the People's Bank of China credit system to query the power of attorney of the personal credit report, the acceptance of the bank, according to your authorization of the power of attorney, the credit situation of your query, the main query of your liabilities and bad records and so on, to see if it is in line with the most basic requirements of the loan, such as Loans or credit cards within one year, there is no late, the cumulative number of late, there is no more than 4 times (including 4 times), etc., do not meet the loan conditions, the receiving bank will explain the situation and refuse to accept. For the most basic conditions, and then asked to provide personal loan information.

Second, the review of loan information

Acceptance of the bank on the personal housing mortgage loan borrowers, the loan information provided by the review, the review of the information mainly includes: ID card, household account book, proof of income, bank current, the purchase contract (second-hand housing but also to provide the bank access to the appraisal of the assessment report provided by the assessment company), credit reports, etc., first of all, the first review, the review of the ID card, Account book is mainly to review the authenticity of the loan subject, timeliness, review of proof of income and bank water, mainly to review your repayment ability, according to the water to determine the real situation of income, measuring the proportion of repayment of the loan, the general repayment of the loan ratio of less than 50% (including 50%), not more than 50%. That is to say, the repayment ratio of all the liabilities responded to by your credit report can not exceed 50%. If the loan repayment ratio exceeds the upper limit, one is to require the borrower to increase the provision of real income other than income proof (not yet provided to the bank), or increase the *** with the borrower, guarantor, etc., to ensure that the loan security.

Third, the approval process

Accepted by the bank of the personal housing mortgage loan after the initial review, submitted to the review post for review, review no problem, it will be submitted to the approval post for approval, up to 2 days. If the review found that the problem, it will require the preliminary review to re-examine, additional information, so that time will be extended, additional information link, directly affect the length of the loan review time. General personal mortgage loans, from acceptance to approval, 2 to 3 days on it.

Four, lending

Loan approval is complete, is lending, in lending before, first, to personal mortgage loans for home mortgage procedures, mortgage registration is complete, the same day you can lending.

The above is accepted by the bank to review the review and approval of the loan and lending process, for the future to apply for a personal mortgage loan business, want to quickly pass, the following suggestions:

First, check their credit report, master to understand their credit situation, whether you can apply for a loan and so on.

Second, measure their repayment ability, in their own repayment ability within the scope of the loan application, to ensure that the repayment on schedule, to avoid the loan overdue.

Third, provide complete, truthful and reliable loan information in order to successfully pass the approval.

The above is my answer, I hope it can help you.

People who have bought a house know that the mortgage to buy a house, personal credit report, proof of income, bank water these are the bank approval of the basic information of the mortgage, then the bank is how to query the borrower risk?

In fact, from a personal point of view, late repayment is not cost-effective, on the one hand, overdue will have an impact on personal credit, and even the impact is all-encompassing, and will even affect the children's schooling; in addition, for the overdue after the emergence of a malicious overdue, the bank will take measures to recoup the losses, so, standing in terms of the rate of bad debt, mortgage for the bank, is the most secure.

Then in addition to the personal side, the bank is how to control the loan risk?

First of all, the personal credit report, to a large extent, can illustrate the individual's ability to perform.

The credit report can reflect a person's past performance, personal debt, workplace, whether there are legal disputes and so on, now the credit report reflects the personal information is very comprehensive and detailed.

Proof of income and bank account. These two are the account with the, proof of income can reflect the company's name, official seal, position, income, etc., bank water can reflect the individual's monthly income.

Business proof of income and bank water can be packaged, but do not forget that the packaging is something that can be seen at a glance, for the risk of a relatively small customer, the bank turned a blind eye on the past, for the risk of a relatively high risk of the customer, even if the packaging is good, it is also very likely to be refused a loan.

In fact, in this era of big data now, individuals just stay on the Internet any information, are available.

So, if in the approval process, there is a higher risk level of customers, the bank is required to provide customers with relevant proof of assets, for some customers, need to do *** with the borrower.

So, now the acceptance of the bank mortgage, is very strict security, for the control of risk, the bank has a special wind control, and the bank as a commercial institution, profit is also very important.