1. The following five types of people can't borrow money to buy a house
1. There is no credit record
Many buyers think that since I don't have a credit card, there will be no overdue record, and the credit must be clean. When applying for a mortgage, the credit will definitely be fine. In fact, if you haven't applied for a credit card or borrowed money, you are a white household. As a result, the bank naturally doesn't know your credit habits. In this case, it is easy to refuse to lend.
2. Many times overdue
Nowadays, credit cards are flying all over the sky, and many property buyers have several credit cards. Due to the wrong repayment time and other reasons, there is a situation of overdue repayment. If you are overdue because of malice, you can be excused when applying for a mortgage. However, if you have overdue repayment records for many times, you can't get a loan to buy a house.
3. Restricted by policies
With the continuous upgrading of the property market regulation, more and more cities have entered the era of five restrictions. If you have restrictions on purchases and loans, you can't buy a house with loans. Therefore, before buying a house with a loan, everyone must pay attention to the local purchase policy, and don't default because you don't understand the property market policy.
4. Age is not up to standard
Banks will require the borrower's age when approving the mortgage. If the borrower is too old or underage, the bank will directly refuse the loan. Therefore, when buying a house with a loan, you'd better let the golden-age members of your family apply for a mortgage.
5. No economic foundation
Buying a house is the biggest consumption in life. If you don't have financial support, there will be difficulties in repaying the mortgage. Therefore, when you have a weak economic foundation or no economic foundation, you'd better not borrow money to buy a house.
2. Even if you can borrow money to buy a house, you should pay attention to these matters
1. Pay attention to the loan amount
In this era of high inflation rate, most buyers know that when buying a house with a loan, they should apply for more loan amount. After all, money will become less and less valuable in the future. However, not everyone is suitable for a high loan amount. If your monthly income is limited and your monthly consumption is large, you'd better reduce the loan amount, otherwise you can't afford the consequences of abandoning your house and cutting off your supply.
2. Pay attention to loan banks
Different banks often have different standards when approving mortgage loans. If your loan application information is flawed, then you may wish to choose a bank with relatively loose mortgage review as a loan bank, so your mortgage success rate may be higher.
3. Pay attention to the mortgage interest rate
At present, the house price remains high, so the pressure on buyers to buy a house is great. If the mortgage interest rate is relatively high, the pressure on repayment can be imagined. Therefore, when you buy a house with a loan, you must pay attention to the mortgage interest rate. If conditions permit, you may wish to pursue a low mortgage interest rate.
4. Pay attention to the loan application materials
When applying for a mortgage, buyers often need to provide a lot of personal information, such as personal identity information and bank account. If your loan application materials are incomplete, the bank is likely to refuse the loan directly. Therefore, when you buy a house with a loan, you may wish to know what information you need from the bank first, and strive for one-time preparation, which can improve the efficiency of mortgage approval.