1, people who do not meet the loan age: Generally speaking, if retirees want to buy a house through loans, they will generally fail because they are too old and have no stable income.
2. People with bad credit information: Credit information is very important to us in our daily life, especially when applying for a loan to buy a house. Because the bank first looks at your credit information, people with bad credit information or serious violations cannot borrow money to buy a house.
3. People with unstable income: The bank will first consider your salary flow to measure the ability to repay loans in the later period, and check the stability of monthly income and income respectively. So if you take out a loan to buy a house, your monthly salary will be paid off, and the loan will become a problem. The bank will definitely reject your mortgage application.
4. High-risk occupational groups: We often say that civil servants, employees of Fortune 500 companies and employees of large state-owned enterprises are all high-quality customers of banks and are very popular with banks. Naturally, I won't watch the rest. Sales, hotel HEKTV and other service personnel, special police, firefighters and other occupations are not very popular with banks, and the loan success rate will be much lower. Some banks even refused to accept applications altogether.
What conditions do you need to apply for a loan to buy a house?
1, a natural person aged between 18 and 60.
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.
5. Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters) and guaranteed to be used to pay the down payment of purchased houses.
6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.
Does CITIC Rural Credit Cooperative lend money to those people?
Loyalty, etc.
Citic Agricultural Association does not lend to products and projects whose production, operation or investment are prohibited by the state, which violates the provisions of the state on foreign exchange control; According to the provisions of the state, it should be reported to the relevant departments for approval without obtaining the approval documents; Production, operation or investment projects have not obtained the permission of the environmental protection department, and the original loan debt has not been paid off in the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights and shareholding system reform.
CITIC Rural Cooperative is a formal financial institution. Its origin is a microfinance pilot project of 1996. In 2000, the project was taken over by the China Foundation for Poverty Alleviation, and then the microfinance project department was established, which was the predecessor of CITIC Rural Cooperative.
No mortgage, no car loan. Are you young?
Most people who don't have mortgages and car loans are young people who don't buy a house or a car. Then, if the old economic conditions permit, there is no need to borrow money to buy a house or a car.
People would rather be poor than take out loans for life. No matter what kind of loan, the routine is too deep and the collection is disgusting. I've seen what a collection looks like.
First of all, loan is a double-edged sword, not as beautiful as imagined, but not so useless. Loans will give us a way to spend money when we are in urgent need. But here, my suggestion is that if you borrow money from a bank, even if the interest is high, you should go to the bank counter. Many online loan apps appear on the Internet. It is recommended to use them with caution and try not to use them. I believe that the subject hates all kinds of online apps, and they are caught in a vicious circle by borrowing.
Secondly, the topic said that "people would rather be poor than borrow money all their lives" is a bit pessimistic. Even if we get a loan, even if we are heavily in debt, we should still be full of hope and awe in life. Hope means that we can put the past behind us, try again and start over. Awe means that we have experienced violent loan collection, so we will be more cautious about loans in our later lives. The previous experience will become your valuable experience in the future.
Finally, I hope the landlord will regain his confidence and still love life: full of hope and awe. I wish the landlord success
How to treat the bank's failure to lend to Fujian people
There is a kind of discrimination called geographical discrimination, which is not here. What we are talking about here is risk management and control based on statistical data. Hundreds of thousands of people in Fujian, led by Ningde, borrowed money from banks and refused to pay it back. They also accused banks of withdrawing loans and cutting off the capital chain. It is said that the total losses in Shanghai and surrounding provinces and cities are as high as hundreds of billions. Many banks, such as workers and peasants, have confessed, and many bank employees are miserable. Such a large-scale group regional risk leads to a very strict review of regional applicants.
Loans are equivalent to a voluntary business activity between buyers and sellers. It is understandable that banks are afraid of Fujian people and simply do not do business in Fujian.
Can Beijingers buy a third suite without a loan?
If there is no loan, you can buy a third house.
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According to the documents issued by beijing beijing.
Notice on implementing the policy that the same family can only buy a new set of commercial housing in this city.
From May 1 2065438, the same family (including the purchaser, spouse and minor children, the same below) can only buy a new set of commercial housing in this city. The purchaser should fill in the declaration form of family members before signing the contract online.
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But this document has not been strictly implemented.
Now as long as it doesn't involve loans. Buying several suites has not been reviewed.
Only when loans are involved, banks will implement the second-home loan differential interest rate policy.
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I have a national real estate agent registration certificate.
If you have any questions about the lease, sale and mortgage of real estate, just ask me.
My contact information is in my file.
The introduction of non-lenders and non-lenders ends here. I wonder if you found the information you need from it?