1. Keep the bank running six months in advance.
The borrower can prepare a bank card as a repayment card six months before applying for a mortgage loan.
Then deposit a sum of money into the bank card at a fixed time every month, preferably exceeding the monthly repayment amount.
If this situation lasts for half a month, it will be an effective bank flow, which is also a more suitable economic proof.
Most banks support borrowers to keep their banks flowing in advance.
If conditions permit, the borrower can also deposit a large sum of money into the bank card at one time, such as 65438+ 10,000, 200,000, etc. To prove their repayment ability and economic strength.
2. Apply for a secured loan.
There are two main ways to apply for secured loans. One is to find family members or friends who meet the requirements for bank loans, guarantee themselves, and then apply for bank-guaranteed loans.
It should be noted that the guarantor must have a fixed source of income, have sufficient compensation ability, and have a certain amount of deposits in the loan bank.
The guarantor and the creditor shall conclude a guarantee contract in writing.
If the guarantor changes, it must go through the formalities for changing the guarantee in accordance with the regulations. Without the approval of the lender, the original guarantee contract may not be revoked.
The other is to turn to a third-party guarantee institution, and the borrower does not need to directly face the qualification examination and approval of the bank.
As long as the third-party guarantee institutions meet the requirements for bank loans, they can basically apply for loans successfully.
However, third-party guarantee institutions generally need to charge high fees, and for borrowers, the repayment pressure is quite great.
3. Apply for a relay loan.
Relay loan refers to a kind of housing credit product, in which parents are the owners of the purchased house and their children are co-borrower.
It should be noted that not all banks support borrowers to apply for relay loans.
There are also some commercial support to support borrowers to apply for mortgage loans with rural homesteads as collateral.
The mortgage rate is 50%-70%, which is also good news for some farmers who have no economic proof.
There are many online loan big data systems that can query online loan records. You can query important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount in Sixi data.
Extended data:
What are the conditions and requirements for the first home loan?
Regarding the first home loan, the following basic conditions must be met.
1, aged above 18 (inclusive), with full capacity for civil conduct.
2. Have a permanent residence or valid residence certificate in the local area, such as a temporary residence permit.
3. Personal credit is good, and there are no bad records or serious negative information in the credit report (the bank will mainly review the credit information in the past two years).
4, a stable and legitimate source of economic income, with the ability to repay the loan principal and interest on schedule.
5. The houses purchased are non-relocated houses, resettlement houses, public transport houses, houses delivered by enterprises, houses with small property rights and other houses with incomplete property rights certificates.
If you intend to apply for provident fund loans, you must also meet the following requirements:
1, and pay the housing accumulation fund in full and on time for six months or more;
2. The provident fund account is currently in a normal deposit state;
3. No provident fund loan has been made or the loan has been settled.
In addition, it is necessary to comply with the local government's regulations on buying a house.
The regulations in different regions will be different. For example, Beijing stipulates that non-Beijing families who have no housing in Beijing and have paid social security or individual taxes in Beijing for five consecutive years can buy 1 house.