Under normal circumstances, young or very old buyers will approve a lower loan amount. When reviewing loans, banks usually require borrowers to be 65,438+08-65 years old, of which 25-40 years old is the most popular group, followed by 65,438+08-25 years old and 40-50 years old. If you are between the ages of 50 and 65, it will be more difficult to apply for a mortgage.

2. Occupation of the borrower

Banks can judge the income ability of buyers from their occupations. People like civil servants, teachers, doctors, lawyers and certified public accountants are classified as high-quality customers by banks, and these occupations are more likely to get loans. For people engaged in high-risk occupations, banks will consider that they may not be able to repay their mortgages on time in case of danger, and banks may not agree to lend.

3. Personal credit information

Everyone must pay attention to their credit information. Credit investigation plays a very important role in our present life. When making a loan, the bank will examine the qualifications of the borrower. If the borrower does not have a good credit record or the ability to repay in full and on time, the loan will be refused. If it is possible to borrow money, the loan amount will not be high.