If the down payment is not enough, users need to collect the funds for the down payment. At this time, they can borrow money from relatives and friends around them. After borrowing money, the user can submit a loan application, but whether it can pass the review depends on the answer given by the bank. Having sufficient down payment funds and meeting the loan conditions does not mean that the user will definitely pass the review. At the same time, the funds for the down payment cannot be obtained from other loans. Once the bank detects that the source of the down payment funds is unknown, the user's loan application will be directly rejected.
1. How to check the credit report of a house purchase loan
1. Online query
Operating environment:
Brand model: iQOO neo5s
p>System version: OriginOS Ocean
Baidu Browser: v5.22.0.30
Use Baidu Browser to log in to the official website of the Credit Reference Center (www.pbccrc.org.cn )--Click to start now-New user registration-Select bank card/question/digital certificate method for identity verification-After passing, select the credit report (summary, simple, complete)-Submit and wait for the identity verification code-After entering the identity verification code You can view the credit report. If you choose to check the credit report online, the borrower does not need to bring any information. He only needs to fill in his personal information and receive an identity verification code.
2. Self-service query machine query: Personal credit report self-service query machine uses face recognition technology and ID card. After successful comparison, enter your mobile phone number and you can print a simple or detailed version of your personal report.
3. Offline inquiry: Home buyers can choose to inquire at local branches and credit reporting centers of the People’s Bank of China. When you go to inquire, you must bring the original and copy of your valid ID. The copy must be left with the inquiry agency for reference. Valid personal identification documents include: ID card, military officer ID card, soldier ID card, passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, residence permit for foreigners, etc.
2. What are the requirements for bank loans to buy a house?
1. Have legal residence status; those who apply for policy-based personal housing loans should have a local permanent residence.
2. Have a stable career and income.
3. Have the ability to repay the principal and interest of the loan on time.
4. There are assets recognized by the lending bank for mortgage or pledge, or (and) a guarantor that meets the prescribed conditions to guarantee it.
5. There is a contract or agreement to purchase a house.
6. When applying for a loan, you must have a deposit of no less than 30% of the funds required to purchase a house in China Construction Bank. If you apply for a policy-based personal housing loan, you must deposit the housing provident fund with China Construction Bank in accordance with regulations.
7. Other conditions stipulated by the lending bank.