The mortgage review is relatively strict, first of all, it must pass the preliminary review, then the final review, and finally the loan will be released. Many people have applied for the mortgage of CITIC Bank, and finally there is some hope that they will pass the preliminary examination. As a result, they didn't expect the final trial to be dismissed. Then, why did CITIC Mortgage pass in the first instance and be rejected? There may be these reasons.

An analysis of the reasons why citic mortgage was rejected in the first instance.

Everyone should know that after the mortgage has passed the preliminary examination, the lender will be informed to take the information to the bank for face-to-face examination, that is, the final examination will be conducted. First of all, we must determine whether I have a loan, and then verify the borrower's qualification through information. In addition to the purchase contract, down payment receipt, deed tax receipt, etc. , you also need to provide proof of income stamped by the unit, and the bank has been running for nearly half a year.

If CITIC's initial mortgage is rejected, it may be because of income proof, bank running water, personal credit, developer qualification and other reasons.

1. The proof of income does not pass: the proof of income is an important judgment factor for CITIC Bank to approve mortgage loans, and it must be at least twice the monthly payment, and the stamp on the certificate should be fresh. If it is a copy, it does not meet the requirements.

2. Bank running water is not up to standard: First of all, before the loan, the bank running water must be at least six months in a row, and some conditions are strict. It is also stipulated that the running water of the salary card is not counted as self-storage running water, and the monthly running water deposit time and amount should be fixed and matched with the income amount.

3. Bad credit records: for example, there are outstanding consumer loan records in the lender's letter, the credit records are too fancy and dark, and there are some special transaction records, such as bad debts and compensation. The bank will issue loans.

4. The developer's qualification is not good: if the developer fails to obtain five certificates from building land to selling houses, that is, state-owned land use certificate, construction land planning permit, construction project planning permit, construction permit and commercial housing pre-sale permit, and the nature of the property does not meet the loan requirements.

The above is the introduction of "CITIC Mortgage was rejected in the first instance", hoping to help everyone.