If the lender's personal credit information does not meet the bank's mortgage requirements, the lender can find a well-qualified person who meets the bank's loan conditions as his own guarantee. If you can't find acquaintances or relatives to guarantee for yourself, the lender can also find an intermediary company that guarantees for yourself.

However, it should be noted that intermediary companies generally charge relatively high guarantee agency fees. If the economic conditions are not very good, it is better to suggest that the lender find a friend to help.

2. Submit proof of assets

Lenders can also submit some asset certificates to the bank to show that they have sufficient repayment ability. For example, luxury cars, famous watches, large insurance policies recognized by banks and time deposits of other banks can all be used as asset certificates or mortgages to apply for mortgage loans.

For banks, as long as the risk rate of capital loss is reduced and the personal qualifications of lenders are not enough, they can tolerate it.

3. Increase the down payment ratio.

If there is no asset certificate, the lender can also find ways to increase the down payment ratio. If the loan amount is reduced, the risks that banks need to bear will also be reduced, and then the threshold for banks' qualification requirements for lenders will be lowered accordingly. In addition, lenders can also accept higher interest rates, so that banks can earn more, and banks will have lower requirements for personal qualifications of lenders.

Extended data:

Reasons for poor credit report

1. If the overdue period leads to bad personal credit information, if you want to repair the credit information, you need to deal with the overdue bad information first, starting from the date when the arrears are paid off. After five years, the bad records will be overwritten and will no longer appear in the credit information report. Note that if the credit card is overdue, don't cancel it after paying off the debt. The correct way is to continue to use the credit card and repay it on time, so that the previous overdue bad record will be covered by the new good record for two years.

2. If the bad credit record is caused by non-subjective factors, such as bank errors and system problems, which lead to overdue repayment, you can provide relevant certificates to the bank and ask it to cancel the overdue bad record.

3. After using the credit product, if you can't repay the loan temporarily for special reasons, in order to avoid the bad credit report due to overdue, you can take the initiative to contact the bank to negotiate to postpone the repayment.