1, maintain a good personal credit. If there is a credit problem, the bank can review it, which will affect the mortgage approval and the bank is likely to refuse to approve the loan.
2. For the credit card or loan that has not been repaid in your name, you must pay attention to repayment on time to avoid overdue.
3. If you have a lot of debts in your name, try to pay off or pay off some of them first to reduce the personal debt ratio.
4. Don't apply for multiple other loans at the same time, and avoid long-term borrowing. In case the bank mistakenly thinks that its economic life is unstable and its repayment ability is insufficient, it will be broken.
In addition, it should be noted that it takes about one to two weeks to approve the mortgage. After the approval results come out, we need to go to the outlet to sign the loan contract and go through the mortgage formalities within the agreed time.
If the mortgage is delayed, you can take the initiative to call the bank customer service staff for consultation.
If you don't know your online loan application, you can try to get the big data report of Xiaoqi Credit Information, check your detailed loan record, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.
Extended data:
Does Cary need money during the bank mortgage review?
Banks review mortgages, mainly to review users' comprehensive credit qualifications. As for whether there is money in the mortgage bank card, this bank will not review it. Of course, users need to prepare a bank account when applying for a mortgage. As a bank card with a bank account, this card needs to have a certain balance. If there is no balance in the card, the bank account may not meet the requirements.
As for the mortgage approval, users can use the balance in the card, even if it is taken out at one time, it will not affect the loan of the mortgage.