However, it should be noted that the repayment ability of the applicant is not only based on his salary income, but also combined with the debt on the credit report. If the applicant's wage income is more than twice the monthly repayment amount, but if the credit reporting debt ratio exceeds 50%, the lending institution will also think that the applicant's repayment ability is not good, and it is difficult for the loan to pass the examination.
Therefore, when applying for a loan, the salary income of the applicant shall not be less than twice the monthly repayment amount of the loan, and the credit responsibility shall be controlled within 50%. Too much debt should be paid off as much as possible before the loan, and the debt ratio should be reduced before the loan is processed.
The solution to the problem that the monthly income is less than twice the monthly supply.
1. Increase the down payment ratio and reduce the loan amount.
Increase the down payment, the corresponding loan amount will be reduced, the monthly payment will also be reduced, and the income requirements will be lower.
2. Add * * * to the credit.
Married people can borrow money from their spouses, or increase their parents as lenders (relay loans), if the monthly income of two people adds up to twice the monthly income. But not all banks support "relay loans", which should be noted.
3. The monthly provident fund can be deducted from the liabilities.
If the borrower pays the provident fund normally every month, the Construction Bank can deduct the monthly payment of the provident fund according to the situation before calculating the liabilities, and the income certificate only needs to double the remaining liabilities after deducting the monthly payment of the provident fund.
Step 4 provide assets
In addition to CCB's deduction from the provident fund, some commercial banks can also appropriately reduce the requirements for the amount of proof of income if the borrower can provide some assets recognized by the bank.