When applying for mortgage products, users can choose to apply for provident fund loans at the provident fund center or apply for commercial loans at the bank. When banks apply for mortgage products, users need to pay attention to some problems in advance, otherwise the mortgage will be rejected. Then, what problems should be paid attention to in bank housing loans? Understand these details!

1, whether the income meets the requirements. When applying for mortgage products, banks require users to have a stable and sufficient source of income. Under normal circumstances, banks will require users to pay more than twice the income flow every month through the income flow in the past six months. If the user does not meet the sub-requirements, the loan may be rejected.

2. Whether there is excessive debt. When applying for mortgage products, some banks will require users to settle their loans in advance. Although some banks will not require users to settle their debts in advance, they will increase their requirements for users. Therefore, users need to pay attention to their debt ratio before lending.

3. Whether enough information has been prepared. When handling mortgage products in the bank, users should prepare the purchase contract, the original down payment invoice, ID card, household registration book and other materials. In order to make mortgage payment smoothly, users need to know in detail before formal application and make preparations in advance.

4. Whether the qualification of the developer is complete. It is not only the user's qualification, the developer's debt and whether the pre-sale certificate is obtained that affect the loan application result. Therefore, users need to know the qualifications of developers in advance, and try to choose to buy houses of large developers that are compliant and stable.

5. Can the house be signed online? Before buying a house, users need to have a good understanding of the relevant houses to see if they can successfully go through the online signing procedures. Some developers will sell one more room for various reasons. In order to protect their personal rights and interests, users need to know the house well in advance.

The above are the problems that users need to pay attention to when applying for bank loans. In the process of using loans, we should also pay attention to maintaining good loan behavior to avoid overdue situations, so as to use mortgage products normally.