1. For older home buyers, on the one hand, they need to increase the down payment amount and reduce the loan application amount, and on the other hand, they reduce the loan term.

2. For those with incomplete information, prepare all the information before applying for a loan from the bank.

3. Different banks have different regulations on loan conditions. If you are rejected for a loan in one bank, you might as well try another bank.

4. If the bank still disagrees, you can find a guarantee company to provide guarantee before applying for a loan. If you submit materials through a professional loan intermediary, the loan threshold will often be lowered, and the number of loan approvals may also increase. probability.

5. If there is a problem with your credit report, you must make up for the mistake in time. However, some bad credit records are not eliminated immediately. We also hope that home buyers must keep their credit records in good condition.

And it’s easy to get a mortgage now.

1. It is very common to choose a loan to buy a house. Generally, it is easy to get a loan to buy a house, but it must comply with the bank's regulations and provide qualified application materials. Depending on whether it is a first-hand house or a second-hand house, the difference is as follows: A mortgage loan for a first-hand house. If you are buying a newly developed house, you need to use the newly purchased property as a mortgage and apply for a mortgage loan for the lender.

2. To choose a loan to buy a house, we need to prepare the following materials: proof of identity, household register, marriage certificate, house ownership certificate (sale and purchase contract), land certificate (or copy), house-free certificate, unit income Certificate, certificate of guarantee from the guarantee company, etc.

3. Mortgage loans for second-hand houses. Marriage certificate, house ownership certificate, land certificate (or copy), sales contract, appraisal report, buyer’s couple’s income certificate and house-free certificate, etc. If you are buying a second-hand house, you need to use the mortgage of the property you just bought and apply for a mortgage loan yourself as the lender. The procedures for buying a house loan require: identity certificates and household registers of both the buyer and seller.