If you have many loans in your name and want to apply for a mortgage, you can repay part of the loan before applying for the loan to reduce your personal debt ratio. After the debt ratio is reduced, banks will not have such high requirements on users' repayment ability, so even if the user's repayment ability is average, it will be easier to pass the bank's mortgage review. In addition, users should not apply for other credit services during the period of applying for a mortgage loan. It is not too late for users to apply for credit services after the mortgage loan is approved.

How to apply for a loan again

1. Find a guarantee company for help: Although banks do not accept houses with unpaid loans as collateral, if a guarantee company takes action, the situation is expected to be reversed. . Most guarantee companies have short-term mortgage loan business, which refers to the guarantee company advancing funds for the borrower to pay off the remaining balance, thereby making the borrower eligible to re-apply for a housing mortgage loan.

2. Directly apply for a credit loan: It is said that only through comparison can identification be made. In addition to finding a guarantee company, the borrower can also choose to finance through a credit loan. This method refers to the borrower applying for a loan directly from the bank using personal qualifications such as credit and income, which can effectively reduce the additional costs incurred by the borrower through seeking "support" from an intermediary company.

3. Make a "combination" loan: If the borrower's qualifications are good, but the credit loan limit cannot meet your capital needs, you can also choose to apply for a credit loan first, and find a guarantee for the remaining funds. The company guarantees the borrower. In this way, the ideal state of relatively low interest rates and relatively large loan amounts can be achieved as much as possible.

What should you pay attention to when refinancing

1. The applicant’s credit record. How does the personal credit record determine whether an individual can apply for a car loan? If the personal credit record is good, it can be Apply for a car loan, otherwise you cannot apply for a car loan.

2. When applying for a loan at a bank, the bank will check the applicant's repayment ability. It is required that an individual's monthly mortgage repayment amount cannot be more than 50% of the total monthly income.

3. If the applicant has assets for mortgage, such as real estate, you can choose a mortgage loan as a loan method. In terms of loan term, car purchase loans are not as good as loans, which have such a long loan term. Therefore, applicants should also consider choosing a repayment method. Under normal circumstances, a repayment method of equal principal and interest can reduce the applicant's repayment pressure.

4. However, the pressure of repaying two loans every month is relatively heavy. Therefore, borrowers must make a repayment plan in advance, otherwise there will be no repayment later.