Not only in first-tier cities, the data released by Rong 360 shows that the national first home loan interest rate has been tightening since the Spring Festival, with an increase of 0.0 1% in February. Regarding the examination and approval of mortgage interest rate, many banks have mentioned such conditions as "customer qualification", "excellent customer" and "good credit information". Who will be recognized as a "quality customer" by banks?
1, enterprise group customers, employees of top 500 enterprises or state-owned enterprises.
Because the credit of an enterprise or an individual is usually a voucher for a bank to issue loans, such people with stable income are more secure in credit, so they are more valued by banks and usually get loans from banks faster.
2. People who buy bank wealth management products and precious metal products.
Under the background of tight bank funds, the first task of many banks in the middle of the year is to pull deposits and complete the loan-to-deposit ratio assessment. Therefore, various wealth management and precious metal products have been introduced to attract customers. Therefore, people who buy our wealth management or precious metal products will also give certain discounts on mortgages to shorten the time for obtaining loans. Many banks even directly attach the preferential condition that they must buy a fixed amount of wealth management products to get preferential interest rates. This shows that banks attach great importance to people with such financial habits.
3. People who handle large credit cards in the bank.
If you have a large credit card of the bank applying for mortgage, you can generally become a vip member of the bank. Not only can you score points, but it will also be particularly convenient when applying for a mortgage. Preferential interest rates are more natural, because banks generally give our vip customers a green channel.
But it is worth noting that credit cards must not be overdue, and many property buyers are defeated in this step. If a credit card dated a few years ago has an overdue record, the credit limit will be deducted, and banks will shut such people out at the initial stage of applying for a mortgage, not to mention the preferential interest rate. Therefore, Bian Xiao hereby reminds users to pay attention to the personal credit report!
4. holders of large assets certificates
There is another bonus item in the loan review: the borrower's large assets certificate. In some banks, if the borrower has a large deposit in the bank when applying for a loan or can provide investment certificates such as stocks, funds and bonds, or a large deposit certificate, house purchase or car purchase, the bank will give certain policy "care" when approving the loan.
In addition, Bian Xiao reminded: As a buyer, you must maintain a good personal credit rating. Because relatively speaking, people with good qualifications and good personal credit are more likely to apply for full loans and concessions. In addition to interest rate concessions, the bank's loan approval speed will also be accelerated!
(The above answers were published on 20 17-03-07. Please refer to the current actual purchase policy. )
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