202 1 what are the requirements for mortgage credit investigation?
202 1, the buyer wants to apply for a mortgage. First of all, in the personal credit report, there must be no bad records that are overdue for 6 times or 3 times in the next two years. It is called "three consecutive six" in this credit industry, which is a very serious overdue situation. Basically, no bank will pass the loan approval of buyers.
In addition to credit reporting, the monthly salary of buyers also needs to meet the requirements. According to the relevant provisions of bank mortgage application conditions, the amount of mortgage that buyers apply for each month cannot exceed 50% of their monthly income. In other words, suppose that the monthly income of user A is 4000 yuan, and the maximum mortgage can be around 500,000-600,000 yuan.
Finally, the down payment. When applying for a mortgage, buyers need to confirm that they have paid the down payment. If the buyer buys the first suite, the minimum down payment is 30%. If buyers apply for a second home loan, they need to pay at least 20% down payment, and the loan interest rate of the second home is generally higher than that of the first home.
In addition to the above requirements, the buyer had better have some cooperation with the loan application bank before. Such as wage deposits, precious metal transactions, large wealth management products, etc. This can increase the close relationship between buyers and banks, and also increase the credit value of banks to buyers.
The above is the related content sharing of "02 1 mortgage credit request", and I hope it will help everyone!