First of all, whether the credit report meets the requirements, the credit report mainly includes four parts: personal information, credit records, public records and inquiry records. Among them, the credit report records the repayment of your credit card, mortgage and car loan. Generally, the credit card has not been repaid for three consecutive times, and the mortgage loan is overdue for two months, which will show bad results in the credit record.
When individuals apply for loans, banks should look at these conditions in addition to credit information.
I. Age
Bank loans generally require the lender 18-65 years old, and beyond this range, the loan will be refused. Personal housing mortgage commercial bank loans are generally not more than 65 years old for men and 60 years old for women.
Two, the bank running water or wages running water bank loans, personal housing loans generally need proof of income. This depends on the running water. Under normal circumstances, the monthly income should be 2.2 times the sum of monthly payments and other liabilities, and the minimum is 2 times. If the bank's running water or salary is not up to standard, it will refuse to lend.
Third, occupation.
There is no problem with general professional loans, and banks especially like civil servants, doctors, teachers and other groups with stable income. Like some dangerous chemicals, fireworks, aerial work and other work, banks will have concerns and the chances of lending are low.
Fourth, personal data.
If a false income certificate is made in order to pass the loan, it will have a bad influence on your credit record if it is discovered by the bank. There have been media reports of collective loan fraud in a certain place in Fujian, resulting in the establishment of "high-risk areas" within banks. Some people have good credit information, but they can't get loans because of geographical problems.
Besides, if you are involved in economic disputes, civil disputes, etc. Banks won't lend money.