The reason is very simple, because the credit history only reflects your historical performance ability, but does not mean that you have repayment ability.

Advantages and disadvantages of white families applying for mortgage

The so-called white households with credit information refer to those users who have never handled financial credit business and have no loan records on credit information. For this kind of users, the bank has not made any restrictions.

When applying for a mortgage, white households will naturally have certain advantages in credit because they have no bad credit record. However, in addition to credit records, banks need to comprehensively assess the risks of lending.

If you can't know the borrower's historical performance, you can't know the borrower's willingness to repay.

At this time, some big banks with strict risk control may refuse to lend on this ground.

What are the main aspects of bank loans?

1, loan eligibility

All China citizens who have reached the age of 18 and have independent civil capacity can apply for personal housing mortgage loans from banks as long as they meet the requirements of banks.

2. Solvency

The bank will calculate the monthly repayment amount according to the loan amount, interest rate and years, which is the so-called monthly payment. If the borrower's income is twice or more than the monthly payment, it is easier to pass the loan approval.

3. Operation diagram

White accounts mean that there is no overdue and no debt, but this does not mean that the bank will recognize your repayment ability. On the contrary, there is a lack of reference for banks to judge your performance record.

I said that if the borrower can provide a guarantee or asset certificate recognized by the bank, even if you are a small white who has never borrowed money, you don't have to worry about the loan approval at all, because for the bank, the repayment ability and willingness are the most important.