1, increase the down payment ratio.
The down payment ratio can be appropriately increased, which can reduce the dependence on the mortgage amount, reduce the monthly repayment amount in the future, and also minimize the concerns of banks and improve the success rate of mortgage.
2. Buy a house with low total price.
If you can't pay more down payment, you can lower the requirement of buying a house, and you can buy a house with a lower unit price or a smaller area, so that the total price of the house will be reduced, and the requirement for the mortgage amount will also be reduced under the condition that the down payment remains unchanged. Banks' worries about repayment ability will also be reduced, thus improving the success rate of mortgage loans.
3. Try to settle other foreign debts.
When you plan to apply for a mortgage, you can try to settle other foreign debts first and try to control your debt ratio below 50%. The lower the debt ratio, the less worried banks are, and the higher the success rate when applying for a mortgage.
However, after the foreign debt is settled in advance, the lending institution can be required to issue a loan settlement certificate, because the information update on the credit report is not real-time and has a certain lag, in which case the loan settlement certificate can play a key role.
4. Increase your income.
Under normal circumstances, the bank will require the monthly income of mortgage to be more than twice the monthly mortgage payment. If there are other outstanding foreign debts, banks will increase their requirements for income flow, so they can also find ways to improve the income level. As long as its income can meet the expenses of loans and living, banks will not have too much concern about their repayment ability.
5. Choose a bank with a low threshold.
Different banks have different efforts to review mortgage loans. Some big banks are not short of money, so the audit will be stricter. In this case, some small and medium-sized commercial banks can be consulted more, and the review of mortgage loans may be more relaxed.
6. Provide more collateral.
You can provide banks with more collateral, such as cars or some valuable wealth management and assets, so that banks will have great changes in evaluating their qualifications, and they will no longer be particularly worried about overdue mortgages and improve the success rate of mortgages.
7. Find someone to vouch for yourself.
Lending banks have concerns about the quality of loans, so they can find some qualified third parties to guarantee for themselves. Because the guarantor will be jointly and severally liable for repayment, the bank will appropriately relax the requirements for the lender and improve the success rate of mortgage loans.
However, the guarantor will bear the corresponding debt liability, so in the future, it is necessary to repay the loan in time according to the agreement and try to avoid overdue. Once the mortgage is overdue, the credit of the guarantor will also be affected.
8. Add * * with the lender.
When applying for a loan, you can apply for a loan together with parents, children, couples, etc. However, it should be noted that the lender * * * also needs to have good qualifications, a stable source of income, and there can be no problems with credit reporting. After adding * * * with the lender, the bank will re-examine the qualification, which can increase the success rate of the loan.
9. Choose the appropriate loan method.
At present, the two basic repayment methods of average capital and equal principal and interest have their own advantages and disadvantages.
The advantage of matching principal and interest is that the lender can accurately grasp the monthly repayment amount and arrange family expenses in a planned way; The average capital method is suitable for people with higher income, because the pressure of repayment in the early stage is relatively large, so it is necessary to be cautious to choose the one with unstable income.
10. Buy houses of other developers.
Sometimes it is not the bank's own reason to refuse to mortgage, but the developer's qualification certificate is incomplete and does not meet the loan standards. In this case, you can buy a house launched by a developer with complete qualification certificates.
You can choose the appropriate treatment according to your actual situation, and then pay the down payment and down payment when you are sure that you can get a mortgage, so as to avoid some troubles caused by the failure of the final mortgage.
If you want to find your own online loan big data report with one click, as long as you find "Beijian Quick Check", you will have important data such as your credit rating score and whether there is a blacklist.
Extended data:
The more down payment, the easier it is for the mortgage to pass?
The more the down payment, the less the loan amount, so the mortgage approval will naturally be easier to pass.
After all, the greater the repayment amount, the higher the requirements for economic income level and repayment ability.
Tap water provided by banks, for example, is usually more than double the monthly mortgage repayment.
Suppose you borrow1000000 for 20 years. If the down payment is 25%, the loan amount is 750,000, and the monthly principal is 3 125, then you should at least prepare running water with a monthly income of not less than 6,250.
If the down payment is 40%, the loan amount is 600,000, the monthly principal is 2,500, and the monthly income is not less than 5,000.
Of course, whether the mortgage can finally be approved depends mainly on my credit status. If I have a good personal credit, a stable income and the ability to repay the principal and interest of the loan on time, then the mortgage will generally be approved smoothly.
The down payment of mortgage is generally not less than 30% of the total house price.