2. Insolvency: In the application process, it is necessary to provide a running stream of bank income. Generally speaking, customers are required to earn twice as much as their mortgage. Of course, the income of both husband and wife is included at the same time, and other loans under their names are also listed in liabilities.
3. Abnormal marital status: Many people exploit loopholes through fake divorce. Now, in order to prevent this situation, banks require divorce for more than one year before they can apply.
Why is a good mortgage rejected?
1, engaged in high-risk industries: Lenders usually pay more attention to the borrower's occupation. If you are engaged in entertainment industries such as KTV, nightclubs and bars, or engaged in high-risk industries such as chemical industry, mining, blasting and construction, it is easy to be refused to apply for a loan because of its high risk.
2. Unstable income: In addition to high-risk industries, occupations with unstable income are not easily favored by lending institutions. Such as sales staff, engaged in business and other occupations. The income fluctuates, and the repayment ability is unstable, which will be regarded as risky by lending institutions and then refused to lend.
3. Too many times of credit reporting: At present, banks and financial institutions are very serious about the number of credit reporting, which reflects from the side that a person is in debt or short of money, and it is not necessarily necessary to apply for more loans. This idea is wrong. Applying for multiple loans at the same time leads to too many credit inquiries. When applying again, the lending institution will judge that there is risk and directly refuse.
4. Burden legal disputes: If you are burdened with disputes waiting to be resolved, such as the court is still in litigation, the accident has not been dealt with, and other qualifications are excellent, lending institutions dare not lend easily. It is best to wait until the dispute is settled before applying for a loan.
5. False loan information: Once the loan information is found to be false, it will not only reject the loan application, but also be blacklisted, and loans from other institutions will be adversely affected in the future.
6. Too much debt is unstable: mortgage, car loan, online loan, credit card and other debts all belong to the category of debt. Social debt is the norm for most people now, but if the debt is too high, it means that the more debts need to be repaid, the higher the risk of bad debts. Therefore, for borrowers with high debt ratio, it is more likely to refuse loans.