Of course, if you apply for a lot of other loans at the same time, it may lead to "waste" of credit information, too many loan records and an increase in personal debt ratio, which may make the loan handling bank suspect that the customer's economic life is unstable and worry about his repayment ability. In this way, the possibility of mortgage rejection will also increase.
Therefore, in order not to affect the mortgage approval, customers are advised not to apply for too many loan products before the mortgage approval and lending are successful. After the mortgage is approved, you should apply for a loan in a hurry, and it is best to apply again after a while. After all, customers should consider their repayment ability, otherwise there will be too many loans and a heavy repayment burden. It broke down if you were not careful.
What should I pay attention to when handling a mortgage?
1. If the applicant has overdue credit card records or loans overdue records, or other things that damage the credit information, it can be saved in time! Personal credit investigation is one of the decisive factors for the success of loan application. If the credit is good, it is likely to pass, and it is very likely that the loan will be rejected.
2. To apply for mortgage loan, you need to sign a loan contract with the bank. Loan contract is an important legal document. As the loan term can be up to 30 years, as a borrower, the loan contract should be properly kept to prevent it from being lost.
3. For the loan amount, although the more the better. Because of the large amount, there will be more monthly payments and more interest. However, it may bring pressure to your life and make you do what you can, so you should take into account your own situation to get a loan.