Personal credit investigation is one of the important links in loan review. If an account has three consecutive overdue records or accumulated six times, the loan application will definitely be rejected. Therefore, it is very important for girls to keep a good credit record before buying a house with a loan.

Second, don't jump ship before buying a house with a loan.

Girls must not change their jobs at will before buying a house with a loan, and they can buy a house with a loan at least half a year later, because stable work and income are also important measures for banks to examine the personal qualifications of loan applicants. If you change your company or job before handling the loan business, the bank will think that your job is unstable, there is no stable source of income, and you do not have the ability to repay the principal and interest on time. It is difficult to guarantee the smooth recovery of the money after the loan, and the credit risk of the bank will increase, resulting in the rejection of the loan application.

Third, provide complete and true loan information

The bank will strictly verify the information submitted by the lender. If the lender is found to have forged information, the bank will not give you a loan and will not be able to apply again in a short time. In addition, the loan information is incomplete and the bank will not approve the loan. Therefore, girls should submit complete and true information when applying for loans.

Fourth, do a good job in bank running accounts.

When handling a loan, no matter which bank requires the borrower to provide effective and true bank flow, because the bank can check whether the individual has a stable income and is able to repay the loan by looking at the borrower's bank flow.