First, bad credit will be refused loans.
As we all know, a person's word of mouth is not only related to their image outside, but also the basis for others and enterprises to judge. As a banking institution, it is also one of the important reasons why you can apply for a loan. Good credit can not only get more loans, but also have additional loan quotas. On the other hand, people with poor credit will be rejected by banks.
Bad credit (including overdue credit cards, repayment in loans overdue, etc.). ) is the basis for the bank to decide whether to lend you money. If your credit is damaged, the bank will refuse your loan. Therefore, friends who want to buy a house should pay attention! Usually, you should accumulate your own credit and don't leave bad information records.
If the economic situation is not good, the loan will also be rejected.
Buying a house is a big deal, but you can't blindly compare. Buying a house should be based on your actual situation. As the saying goes, houses don't care about size, but they all have their own advantages. The so-called sparrows are small and complete. After all, when you apply for a mortgage, your financial situation determines whether the bank will approve the loan.
Of course, the bank should judge according to your income, so it is necessary to provide the bank with the necessary monthly income certificate. Through this process, the bank will evaluate you. If your salary reaches the loan amount you applied for, it will be easy. If you can't meet the requirements, the bank will refuse your loan request.
If you are unstable, you will be refused a loan.
When approving loans, some banks will pay more attention to whether the borrower's medical insurance and endowment insurance are paid normally, because both of them belong to employee insurance, and the payment situation reflects the lender's work from the side. If the borrower's payment is unstable, it means that his job is unstable and his income is unstable. The bank is worried about his repayment ability, and such a borrower may be rejected.
For example, borrowers in the sales industry are easily rejected by banks, because the income of salespeople is uncertain, sometimes high and sometimes low, and banks cannot accurately evaluate their repayment ability, so they may refuse. There are also people who are engaged in high-risk industries such as aerial work, dangerous chemicals, fireworks and firecrackers, and may also be refused loans.
Too young will be refused a loan.
Many parents want to buy a suite for their children, but can underage children borrow directly? The answer is no, banks will not accept such people's mortgage applications.
Because according to the relevant laws and regulations, people who have reached the age of 18 have the capacity for civil conduct, and minors do not have the ability to repay the principal and interest of loans in full and on time, nor do they have stable jobs and high incomes. In order to ensure the smooth recovery of loans, banks will not easily issue loans to them.
If you are too old, you will be refused a loan.
Although all commercial banks have launched personal housing mortgage loans, this kind of loans are very strict with the age of borrowers. Except for the above-mentioned/kloc-people under 0/8 years old, people who are too old can't apply for loans.
Judging from the standards stipulated by commercial banks, the borrowers applying for personal housing mortgage loans are not over 65 years old for men and 60 years old for women. Beyond this range, they can't get a loan. At this age, because of fear of physical problems, banks take greater risks.
The reason why banks have such regulations is to reduce the rate of non-performing loans and reduce the risk of loans. Banks themselves are profit-making institutions, so any investment they want to make is less risky and the most profitable. The situation mentioned above will increase the risk of banks, and often they will not approve loans for the elderly.
If there is an economic dispute and the judgment has not been fulfilled, the loan will be refused.
If a civil dispute is a debt and refuses to perform it after compulsory execution by the court, the court may include the person subjected to execution in the list of untrustworthy persons and will not be able to obtain a bank loan.
The second-hand house I bought is too old to get a loan.
Unlike new houses, buying a second-hand house to apply for a loan should consider the age of the house. Banks also have requirements for the age of the houses they buy when approving loans, generally 20-25 years, but some banks may be a little different.
It can be said that the shorter the age of the house, the easier it is to get a loan, and the loan amount applied for will be higher; The older the house, the more likely it is to be rejected for a loan.
(The above answers were published on 2016-12-21. Please refer to the actual situation for the current purchase policy. )
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