For the vast majority of people, the current house price is still relatively high, and buying a house in full is an elusive thing. Therefore, many people will choose to apply for housing loans, get the house first, and then slowly pay off the debts later. At present, there are two main ways to apply for mortgage, one is to apply for provident fund loans, and the other is commercial loans from banks. The interest rate of provident fund loans is much lower than that of commercial loans, but the application threshold is also high. What is the reason for the insufficient amount of provident fund loans?
1. Credit information difference: Personal credit information is the basis for applying for bank credit loans. If everyone is overdue in the past two years, it may lead to the rejection of provident fund loans, even if the loan amount is barely approved, it will not be too high.
2. Wage income: When banks examine loans, the most important thing is the borrower's repayment ability and willingness. If the borrower's job is not very stable, or his wage income is relatively low, the loan amount will be too low.
3. Other requirements: In fact, there is an age requirement for provident fund loans, which cannot exceed 5 years after the statutory retirement age, but the age at the time of application will affect the loan period. The loan term is generally calculated by the formula of "legal retirement age +5- age at the time of application". If the borrower is older, it will lead to insufficient quota.
So how to solve the problem of insufficient amount of provident fund? In fact, you can try to choose a combination loan, that is, a combination of commercial loans and provident fund loans, so that you can get more loans and enjoy the low interest concessions brought by provident fund loans. Of course, the interest rate of portfolio loans will definitely be higher than that of pure provident fund loans, but it will also be lower than normal commercial loans.
Why do many loan platforms have no quotas? These reasons are the key.
Many people borrow online loans when they are short of money. Therefore, to understand the process of online loan borrowing, it is necessary to submit a loan application first. And many people don't have quotas on many loan platforms, so naturally they can't borrow money smoothly. So, why don't many loan platforms have quotas? Let's analyze it.
Why do many loan platforms have no quotas?
There are three reasons, one is the platform itself, the other is the policy, and the third is the borrower.
1, platform reason: Some platforms are not very strong. For example, many small platforms can still maintain good operations this year, and there is no extra money to lend, or the loan platform has been transformed and no loans are made. According to institutional statistics, the number of online lending platforms has dropped sharply from more than 6,000 in its heyday to 29, so it is necessary to know the current situation of online lending platforms before borrowing money.
2. Policy reasons: In order to strengthen the management norms of online lending platforms, the CBRC issued the Measures for the Management of peer-to-peer lending Platforms, which limited the maximum amount of single-family consumer loans to 200,000 yuan, severely cracking down on some illegal online lending platforms. Many platforms are afraid to lend, or only put a limited amount every day, and they will be gone after grabbing it.
3. Borrower's reasons:
1) is overdue, and when using a loan or credit card with credit information, it is not repaid on time, which affects credit. For example, in loans overdue, no matter which credit platform you borrow from, you won't give a quota, so you'd better check your credit before borrowing.
2) If the repayment ability is insufficient, comprehensively evaluate the loan platform's quota according to the credit and repayment ability. Credit can pass, but poor repayment ability, such as low income and high debt, means that borrowers are at great risk of overdue, and they are afraid that they will not receive loans.
In short, there is no limit to the loan platform. We can check the reasons from these three aspects, and then improve the deficiencies.
What is the reason for the insufficient loan amount for buying a house? What should I do?
When buying a house loan, many people will have the actual mortgage amount lower than their expected amount for various reasons. If you apply for a provident fund loan, even if you get the loan amount, it is almost not enough to pay the rest of the house. What do we do? What are the factors that affect the loan amount for buying a house?
What if the loan amount is not enough?
1. Consider portfolio loans. Some friends will find that the amount of provident fund loans is not enough when they apply for provident fund loans. At this time, they can consider adopting the form of portfolio loans. Portfolio loan not only has lower interest than pure commercial loan, but also can solve the problem of insufficient loan amount at present. However, we should also pay attention to the complex procedures of portfolio loans and the long time of loan approval, which should be considered comprehensively according to our own situation.
2. Consider changing banks. Some people will be reduced by banks with strict approval because of factors such as bank flow or credit reporting. At this time, you can actually consult other banks, because some banks may not be so audited in some aspects.
3. Consider adding a guarantor. For some people, due to factors such as work or income, banks will feel that they can't guarantee repayment on time every month and reduce the loan amount. At this time, the lender can consider adding a guarantor and let the bank increase the loan amount.
In fact, the whole process of buying a house is not simple, especially loans. Many details need attention. Many friends only know that they can borrow money before buying a house, but they don't have a deep understanding of the loan amount. When they really start to apply for a house loan, they are told that the loan amount is not enough, which will be very troublesome. Therefore, everyone must know more about this knowledge when buying a house loan.
What are the factors that affect the loan amount?
1, personal credit. If the lender's personal credit status is good, not only can he have a higher bank loan amount, but the bank will also approve the loan more quickly. On the other hand, if the lender has a bad credit record, the bank's loan amount is likely to be greatly reduced, and some even refuse the loan directly.
Taking the bank's standards as an example, it is clearly stipulated that loans will be prohibited under the following circumstances:
① The principal and interest of loan or credit card repayment are overdue for 3 consecutive periods (inclusive) or accumulated for more than 6 periods (inclusive);
(2) The loan principal or interest is overdue for more than 90 days due to one-time repayment;
(3) the current situation of the central bank's personal credit information system or interbank accounts (including mortgage, car loan, consumer loan, credit card, etc.). ) overdue, or overdue for more than 90 days in the last 12 months.
2. Room age. Banks have certain requirements for the age of mortgage applicants. The older the house, the lower the loan amount they can apply for. And if it is an old second-hand house, it may be directly refused by the bank.
3. The lender's economic situation. After you apply for a loan, the bank will also evaluate the work and income of the lender. Under normal circumstances, the bank will require the monthly payment not to exceed 50% of the lender's monthly income. Therefore, when the bank finds that the lender's economic situation is not good, it will reduce the loan amount to ensure that the lender can repay the monthly payment on time.
Buying a house by group purchase is more favorable.
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Why is the loan amount so low? There are these reasons.
In modern society, the pressure of giving birth to a child is great, and many people can only make ends meet, so they can borrow money only when the demand for funds is great. But the loan amount of different people is different, and even many people have low loans. Why? Here is a brief introduction.
1, affected by age
Although many loans stipulate that the applicant's age is 18~65, they prefer people aged 30~50. After all, these people are relatively stable, and many of them are married, and their family income is definitely higher than their personal income, while those under the age of 30 or 50 may have insufficient repayment ability.
2. Affected by occupation
Lending institutions will divide lenders into several customers according to their occupations, such as civil servants, institutions and top 500 enterprises. Although the salary may not be as good as that of employees in private enterprises, people are stable, with good welfare and high loan amount.
3. Affected by repayment ability
This repayment ability depends not only on the monthly income, but also on the debt of the lender. If the monthly income is more than twice the debt, this repayment ability is usually good, and the bank will definitely be willing to give a high amount. In contrast, if the debt ratio accounts for 75% of the monthly income, it is easy to refuse the loan, even if the lucky loan is approved, the amount will be very low.
4. Affected by the same borrower.
In order to ensure that the lender has the repayment ability, many loans will let them provide a copy of * * * to the lender, for example, when making a car loan, the metropolis will do so. Moreover, the credit conditions of the same lender will affect the lender's quota. If their credit is bad and their debt is too high, the lender's quota may be low.