When making a loan, the bank will check the following information of the lender:
1. Any other debts?
Buyers who want to apply for a mortgage, if the credit card overdraft limit is too large, or if they have applied for a loan and are still repaying it, the bank will doubt your repayment ability, and the loan application may be ruined.
In addition, the borrower must make a repayment plan before applying for a bank loan to buy a house. If it is overdue, it will not only affect the personal credit record, but also it is very difficult to apply for other loans to successfully obtain loans in the future.
2. Personal credit record
Personal credit record is a stepping stone to apply for mortgage. If the bank finds that the borrower's personal credit report shows that there are three consecutive or accumulated six overdue records in the past two years, it may refuse the loan. Therefore, customers who use credit cards or apply for loans must remember to repay in full and on time in order to leave a good credit record.
What will the bank check when buying a house with a loan?
3. co-borrower's credit.
Many married people apply for mortgages jointly by husband and wife. In this case, the bank will check the personal credit report of both husband and wife. If one of them shows bad credit, the loan application will be rejected. Therefore, couples who intend to borrow money to buy a house in advance should bring their valid identity documents to the local central bank's credit reporting department to check their credit reports before the loan, so as to be aware of it.
4. Proof of income
The purpose of checking the income certificate is to understand the lender's income level, professional nature and other information, and the information such as wage stability and professional nature is also the main concern of the bank.
5. River bank flowing water
Bank running water can directly reflect income, consumption capacity and even consumption habits, tax payment and other information. The general bank will ask the applicant to provide the complete bank flow in the last six months.
(The above answers were published on 20 17-03- 10. Please refer to the current actual purchase policy. )
When buying a new house, go to Sohu Focus.