When banks review mortgage loans, they will generally examine three aspects, namely, the income level and credit status of buyers and the housing situation. Any question may be refused by the bank.

1, there is a problem with income.

From the perspective of income, buyers must ensure that the monthly income of the family is about twice that of the monthly supply.

In order to ensure the smooth loan, buyers should do enough in the aspects of bank flow and income proof to ensure the smooth loan.

What if there is a big gap between monthly payment and income? There are generally three ways to make up for it:

The first is to increase the down payment, which cannot come from financing channels such as developers, but generally comes from relatives and friends.

The second is to increase credit, that is, to find someone to guarantee. Both individuals and institutions can, and the guarantor has the same repayment responsibility, which should be noted.

The third is to change the loan cycle and reduce the monthly supply cost.

2. The credit information is defective.

At present, credit reports include the following types: credit records, public records and inquiry records.

To sum up: your chances of getting a loan will be greatly reduced if the following situations occur.

A. The credit card has been overdue for 6 or 3 times in a row within two years;

B, housing (car) loans for a total of 2-3 months overdue or non-repayment;

C, the loan interest rate is raised, but it is still repaid according to the original month, and interest is owed;

D, water, electricity and gas are not paid on time;

E. illegal cashing of credit cards;

F, student loans are not repaid on schedule;

G. Some credit cards are not activated and have annual fees, which are ignored;

H. Providing guarantee for others, and the other party fails to repay the loan on time;

First, the economic disputes recorded by the court will also affect credit;

J, mobile phone arrears will also enter the central bank's credit report.

K, too many times to query the credit report, such as multiple queries within one year.

There are not many ways to remedy the credit stain, and generally we can only wait until the credit is automatically eliminated. For example, the overdue records of credit cards are generally only recorded within two years. Anxious buyers need to consult the bank credit department to see if they can remedy it by providing relevant materials. You really can't change banks, because the loan scale approved by banks is also different.

There is something wrong with this house.

This problem usually occurs in second-hand housing transactions, and the age of second-hand housing is an important factor affecting the loan amount. Take the surrounding houses as an example. The market price of such houses is high, but banks are "stingy" when granting loans. They may not consider the market price of the house, but determine the loan amount according to the remaining property rights, and many old house banks do not lend directly.

The loan was refused because of the age of the house. To tell the truth, there is nothing I can do. If the loan shrinks, you can only make up the loan yourself, and you can cancel the transaction directly if you refuse the loan.

The buyers are all over age.

If you are over the age limit, the bank may refuse the loan. Although generally 20-60 years old can apply for loans, banks welcome buyers aged 30-40. Too young to earn enough, too old to expect enough, it is not easy to get a loan. The calculation method is that "the age of the purchaser+the loan period" does not exceed 65 years. In this case, buyers can only shorten the loan period, but if the loan amount is not reduced, the monthly supply pressure will increase accordingly.