1. For example, if you are a black customer with credit information, you need to stop your bad behavior and improve your credit for at least 2 years before you go to the loan, because although you can mortgage the green loan, you can't go to the loan immediately because the borrower's credit information fails, and you must maintain your personal credit during the period, and you can't add any overdue records.
2. After the overdue debts in the current period need to be paid off, it is necessary to wait at least 1 month before applying for a mortgage loan, and mortgage the green capital to the lending institution to reduce the loan risk.
3. Slightly overdue. As long as the overdue loan is paid off for more than 3 months, you can apply for a mortgage loan immediately. The better the borrower's repayment ability, even if the overdue credit record has not been eliminated, there is still a chance to repay.
4. Credit information is expensive. This situation is not overdue, but it will be questioned about the economic situation and repayment ability. Therefore, as long as the borrower proves that his repayment ability is good, he can apply for a mortgage loan immediately. It is suggested that he can do more business with lending institutions before lending. For example, if he is a bank, he can deposit a sum of money in advance and buy a financial voucher to prove his repayment ability.