If it is not overdue but the 50,000 debt is not paid off, the bank will not directly reject the mortgage application, but it will raise the requirements for income flow.
The bank's review of mortgage loans is strict, and it will focus on the following aspects.
Credit information of 1
2. Income.
3. Debt ratio.
4. Has the down payment been paid as required?
5. Age.
If there are other outstanding foreign debts, banks will pay attention to the debt ratio. Without foreign debt, banks generally require monthly income to be more than twice the monthly repayment amount. If there are other outstanding foreign debts, the bank will raise this requirement.
Therefore, before applying for mortgage, we can settle the fast loan of CCB in advance, which can reduce our debt ratio and improve the success rate of mortgage application.
If you have too many applications and are worried that your big data will lead to the failure of car loans and mortgages in the future, you can check your big data in "Beijian Quick Check" to provide accurate information for debtors, people who have applied for too many online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan applications, credit reports, etc. , so that you can better understand your credit status.
Extended data:
Should the mortgage be repaid in advance or slowly?
If the user's financial ability is good and the financial yield is higher than the mortgage interest rate, it is more suitable at this time, because the funds in hand can create more income.
Moreover, users can't manage their money, or the financial yield is lower than the mortgage interest rate. Users can choose to repay in advance, which can reduce the mortgage interest, which is more cost-effective for users than investing in financial management.
In short, the actual situation of different users is different Whether to repay the mortgage in advance or slowly needs specific analysis.