2. The industry and occupation of the borrower.
3. Repayment ability.
4. The age of the house.
5. Personal credit information.
When applying for a mortgage, the bank mainly examines the following elements:
1, borrower's age
When reviewing loans, banks require borrowers to be 65,438+08-65 years old, of which 25-40 years old is the most popular group, followed by 65,438+08-25 years old and 40-50 years old. It is generally difficult for people aged 50-65 to apply for a mortgage.
2. The industry and occupation of the borrower.
In the process of mortgage approval, some people are classified as high-quality customers by banks, such as civil servants, teachers, doctors, lawyers, certified public accountants, etc., and industries with strong competitive advantages are also very popular, such as finance and power supply. Such people are more likely to get preferential interest rates and loans from banks.
The bank will check the applicant's ID card and household registration book, and if the user members and immediate family members borrow money, the bank will also check the ID card and household registration book. If the spouse does not borrow money from the same account, a marriage certificate is also required.
3. Solvency
Repayment ability mainly refers to monthly income, because monthly income most intuitively reflects the borrower's repayment ability. The relationship between loan amount and monthly income can refer to the following formula: Monthly income ≥ monthly payment X2
4. Age of the house
For second-hand housing, the bank will examine the age of the loan. Usually, the requirement is 20-25 years, the looser one will require 30 years, and the stricter one is only 15 or 10 years. Older second-hand housing loans may be reduced, and banks will simply refuse loans when they encounter strictness. It can be said that the younger the house, the easier it is to get a loan, and the amount is higher than that of the older one.
5. Personal credit information
Personal credit reporting is one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will look at the borrower's credit record within two years and the loan credit record within five years. Some banks will look at the credit records for a longer period of time, and the requirements are different. Serious overdue credit reports for three consecutive times and six times in total may lead to loan rejection.
Some banks will regard borrowers who buy wealth management or financial products in their own banks as quality customers, and it is easier to obtain interest rate concessions and loans. Because offering preferential interest rates means that banks have less profit margins, buying wealth management products can just make up for this.