As long as it meets the requirements and has a certain repayment ability, it is still a condition for the loan business that can be applied:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan; Materials to be prepared for loan: 1, valid identity documents; 2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marital status; 4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

2. Can I get a loan if the house is mortgaged?

Generally speaking, it is impossible, because the new house you bought may be mortgaged in the bank without a certificate, but once the real estate license comes down, it will be handed over directly to the bank, and you will not be able to get a loan. But it's not impossible, so we can only sell the house to our family so that we can borrow again, but in that case, we must pay the balance, get a certificate and sell it in the loan.

3. Can I still get a loan with a mortgage?

Those with mortgages can continue to borrow. Borrowers can find a guarantee company to help pay off the mortgage, and then re-apply for a loan with the house as collateral, or apply for a credit loan directly, but the amount is relatively low. However, after the second loan, the monthly repayment pressure is greater, and the borrower must apply for the loan amount according to his own ability. When banks examine whether a person has the conditions for personal credit loans, they need to look at his comprehensive score. Usually, banks need to consider many aspects, such as whether they have a stable job, whether they have a bank current account for a certain period of time, and the income of loan applicants. Instead of simply looking at whether you have a loan. Therefore, everyone's mortgage will only be a small part of the bank's consideration of whether to give you a personal credit loan. 1. has full capacity for civil conduct. The borrower must be a natural person aged 18 with full capacity for civil conduct. 2. The overall situation is relatively good. When considering the borrower's repayment ability, the bank will also consider the borrower's comprehensive situation to judge the borrower's loan qualification. In addition to paying more attention to the real estate license and credit information, the borrower's occupation and income are also important criteria for banks to judge. 3. Have the ability to repay the loan. Banks need to know your income status and credit history to judge whether the lender has the repayment ability, so you also need to provide corresponding real income proof materials. 4. The debt ratio should not be too high. Usually, when the personal asset-liability ratio exceeds 40%, it is difficult for banks to continue lending. 5. The monthly repayment amount shall not exceed 50% of the family income. Generally speaking, the borrower's monthly repayment shall not exceed 45%-50% of the personal family income on the premise of meeting the credit information. Therefore, if the existing mortgage is close to this ratio, it means that the borrower's debt is already high, and it is difficult to apply for other loans at this time. You can apply for a loan if you have a mortgage, but the borrower must meet the above conditions. It is worth mentioning that since the policies of banks are different, it is best for borrowers to consult the banks first and then decide whether to lend according to their actual situation.

4. Can I refinance with mortgage?

You can still borrow money if the mortgage is not paid off. When a bank applies for a loan, the bank mainly looks at the applicant's current repayment ability and credit history. If the applicant has a good credit record and sufficient repayment ability, he can apply for a loan in the bank. The mortgage has not been paid off, so you can borrow money. Has the personal mortgage been paid off? Have you ever applied for a personal loan?

loan

Need to have a simple understanding of loans.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks will put out loans, which can meet the needs of social expansion and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

principle

"Three Principles" refers to the principles of safety, liquidity and efficiency. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should take safety, liquidity and efficiency as their operating principles, be responsible for their own profits and losses, and manage themselves by themselves."

1, loan security is the first thing that commercial banks have to face.

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

If you want to buy a house through a loan, these things must not be done:

1. swipe your card three times in a row (or six times in two years)

2. The monthly payment is overdue for 2 to 3 months or not returned.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

The loan is overdue due to the default of interest.

5. Sleep credit card, which will not be used after activation.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing guarantee for a third party.

8. Debt and other economies will also affect credit records.

Payment.

10. Personal credit card cashing.

1 1.

12. Mobile phone charges are linked to bank card charges. After the mobile phone stopped, I didn't go through the relevant formalities and owed a monthly fee.