Extended data:
Take the commercial housing loan as an example:
First, the basic conditions of commercial housing mortgage loans
1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;
3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;
4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability, liquidity of the purchased house and other factors.
5. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as loan mortgage and go through the mortgage registration formalities again after the purchased house is completed and the real estate license is obtained.
Two. General provisions on housing loan business
1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;
2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;
3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).
Third, will excessive borrowing on the credit report affect housing loans?
Bank loans are still very strict in reviewing customer requirements; The bank's housing loan period can be up to 30 years, and the following circumstances will definitely be rejected!
1. If all the loans in the credit report are applied separately and are not applied frequently in a short time, the credit data will not change, and there will be no negative impact without considering the influence of other factors. On the other hand, if you apply for a loan in a short time, usually more than three times a month, it will have an impact on the mortgage review.
2. If most of the loans in everyone's name are in an unsettled state and the debt ratio reaches more than 50%, it will definitely affect the mortgage approval. Usually in this case, the borrower's repayment ability will decline, and the bank will reject everyone's mortgage application for the sake of protecting the safety of internal funds.
3. At present, there is an unwritten rule in the bank that as long as there are outstanding online loan products under the borrower's name, no matter whether there is overdue repayment or not, no matter whether the debt ratio is high or not, the mortgage approval will be refused. Therefore, if the loan under everyone's name has an online loan, it must be settled before applying, otherwise it will definitely be rejected.
4. Banks can judge the repayment willingness and ability of users through their past loan use behavior in credit investigation. Therefore, once everyone's loan is used up, it will inevitably lead to credit stains, and the impact on mortgage will increase with the continuous extension of overdue time. In particular, users who have overdue for many times are basically rejected by 100%.
5. If you find that the above four situations have not appeared after benchmarking your actual situation, then the loan in your name will not affect the application for mortgage. However, this does not mean that it will definitely pass. Banks will also review other factors, such as wage income and comprehensive credit, which have a great impact.
To sum up, it is not difficult to see that the audit of bank loans is extremely strict, so everyone must pay more attention to their qualifications when using loan products.