First of all, according to the types of personal consumption loans, see if the loans you apply for meet the loan policy. Although you have a mortgage, you should apply for a loan according to the type of personal consumption loan. So, what personal consumption loans are there?
At present, the types of personal consumption loans of commercial banks in China mainly include: personal short-term credit loans, personal comprehensive consumption loans, personal travel loans, national student loans, personal car loans and personal housing loans, as well as personal micro-loans, personal durable consumer goods loans, personal housing decoration loans, marriage loans, labor fee loans and various special loans derived from the above loans.
From the policy point of view, the policy of personal consumption loans is relatively strong. Although there are many kinds of personal consumption loans at present, which loans can be loaned? How much is the loan? What are the terms of the loan? Policies are quite changeable.
Therefore, the loan you apply for, regardless of its purpose, must comply with the policies and regulations at the time of applying for the loan and the relevant requirements of the bank you apply for the loan. This is the hardest, and there is a certain element of luck. Secondly, judging from the conditions of loan review, whether you meet the requirements of loans, banks have strict regulations and requirements for loan approval. Of course, in addition to the types and uses of loans mentioned above, there is also whether the lender itself meets the loan conditions.
In addition to the applicant's loan use in line with the policy, the bank loan approval should also examine the lender's own repayment ability, which is what we usually call risk assessment. So, from what aspects do banks generally evaluate the risk of loan applicants?
1, the credit status of the loan applicant
Does the lender have a bad credit record before? Even if there is no criminal record or company closure record, all bad records are the rejection items of loan application, and even the main parties who violate social morality such as "high-speed rail tyrants" may be the factors that banks refuse loans. So it is very important for us to pay attention to our credit.
Second, does the loan applicant have a stable occupation and income? Mainly through the borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row), and by examining the stability of occupation and income, we can see whether the lender has the ability to repay the loan principal and interest;
Third, the status of mortgage and pledge? Mortgage loan is the favorite loan method of banks in the past. In the past, mortgage pledge was mainly real estate and securities. Now there are more and more types of pledge, but only assets recognized by banks can be mortgaged or pledged, so as to examine the lender's ability to guarantee the final repayment.
Four, the loan applicant's guarantee ability? As the second repayment source after mortgage and pledge, the bank requires the loan applicant to provide a unit or individual that meets the prescribed conditions and has compensatory ability as the guarantor to repay the principal and interest of the loan and bear joint and several liabilities, and provide the income and property certificate of the guarantor to prove the guarantor's ability to pledge without mortgage.
2. How did you get a loan?
Because your housing loan is secured by your house, and you have repaid the loan for nine years, under normal circumstances, the bank should be able to give you credit for the loan. But in the end, I can usually give you a loan of 50 thousand, which depends on the following factors:
First, the purpose of your loan? The purpose of your loan must comply with relevant policies and the bank's credit requirements; This determines whether you can get a loan or not.
Second, the total value of your house? Because it determines whether you can borrow 50 thousand yuan. Because bank loans generally have a mortgage rate of 50-60%, if you need a loan of 50,000 yuan, you will have to pay back more than 65,438+10,000 yuan in these nine years.
Third, the bank's recognition of your personal credit? Although you have a mortgage loan, you still need to evaluate your credit status. If you have bad behavior during the loan repayment period, the bank may not give you a loan.