There is a certain proportion of down payment. According to the requirements of the bank, the borrower who borrows money to buy a house needs to pay at least 30% down payment for the first suite; The down payment for the second suite is at least 60%, and some areas require 70%. ) prepare a down payment. If the down payment is not up to standard, you will not get the loan;
Have the ability to repay in full and on time. When approving loans, banks will focus on the borrower's repayment ability. According to the relevant regulations, the borrower's monthly repayment amount cannot exceed 50% of the family's monthly income;
Good credit record, in order to obtain a mortgage loan successfully, the borrower needs to have a good credit record. However, it does not mean that loans cannot be made with overdue records;
At least meet this requirement: the cumulative overdue times in the past two years shall not exceed 6 times or the continuous overdue time shall not exceed 90 days. Therefore, it is very necessary to keep a good credit record in daily life.