When we submit a commercial loan and the house meets the conditions for applying for a loan, the bank will focus on our applicant's personal credit information, bank flow, repayment ability and debt ratio, and decide whether to pass the examination and approval according to these conditions. In fact, as long as the applicant can make preparations in advance, the possibility of banks passing commercial loans is still very high.
Buying a house is not a sudden plan. This must have been planned for a long time. According to our own economic situation, we need to make preparations in advance. The bank needs our applicant's bank flow within six months. If the flow is not ideal, it will also affect the approval of lending. So you can prepare half a year in advance. It is necessary to ensure a stable flow in frequently used bank cards, and to deposit a certain amount of funds steadily every month, so that banks can see a stable flow and successfully pass the audit.
Personal credit information is a very important basis for mortgage review. If there are bad records such as overdue personal credit information, it will also affect the bank's approval. A good record of personal credit information reflects the repayment habit and ability of the applicant. If the applicant has a high income but poor personal credit information record, the bank will also refuse the loan application.
Stable work and income are also the focus of the audit. If you want to buy a house with a loan, don't change jobs for at least one year. Banks that change jobs will be reluctant to lend because the applicant's work status is not stable enough, which will affect the repayment ability and may be overdue. Another point is to submit complete application materials. Incomplete information directly affects the bank's audit, so it is necessary to ensure the authenticity and validity of the materials.