Other factors that will affect the loan to buy a house:
1. The bank will think that you lack the ability to repay, and the definition of "effective flow" is very important. "Account entry on the same day, take out on the same day" and "lump sum transfer in, lump sum transfer out" are definitely invalid flow.
2. The nature of the lender's work often reflects the lender's income level and income stability. Banks tend to prefer high-income, stable and advanced industries, and prefer central enterprises, state-owned enterprises, Fortune 5 companies, etc., such as civil servants, educators, doctors, monopoly industries, etc.
3. Don't frequently inquire about credit information, especially entrust relevant financial institutions, such as banks and lending companies. As long as you have inquired, it will be recorded in the credit information report. As long as you have the inquiry record of the credit information report, the bank is likely to consider that there is a "loan" history.
4. Credit cards are overdue. When using credit cards, you must pay attention to the fact that the repayment is not overdue. At the same time, utilities, property fees and mobile phone charges are also included in the certificate list.
5. The situation of purchased houses is also an important basis for banks to consider lending. Generally speaking, banks are more cautious about houses with smaller areas and older houses.
6. The credit report will show the debt situation, such as credit card installment, car loan, some small loans, etc. If the debt is too high, the bank will ask you to increase your income.
Tips: The above explanations are for reference only. If you need funds, you can consider a loan from Ping An Bank. You can log in to Ping An Pocket Bank APP- Finance-Loan-Housing Loan for details and try to apply.
Response time: October 9, 221. Please refer to the latest business changes announced by Ping An Bank in official website.
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