First of all, this bank has almost no running water.
Many friends believe that as long as the income in the income certificate is written higher, the bank will not pay attention to the running water.
In fact, in many cases, the income certificate is only part of the real estate license, and the bank will carefully check the borrower's bank flow.
General banks require that the bank's running water must reach more than twice the monthly supply; The running water can cover the loan amount within half a year. When calculating the running water, only the income is accounted for, and the money paid in the same day is not included in the period.
For example, if you pay 6,000 yuan a month, the monthly bank flow must reach12,000 yuan or more. If this requirement cannot be met, it is easy to refuse to apply for a mortgage loan.
Second, the credit report shows that the debt is too high.
When applying for a mortgage loan, if your debt is too high, the bank will think that you have no repayment guarantee, which increases the risk that the funds cannot be recovered. In order to control risks, banks will not lend to people with excessive debts.
Third, the policy of the applicant bank.
Different banks have different requirements for bank mortgage applicants. For example, some banks only make operating loans and require business licenses and business entities. And some banks only do houses in urban areas. If your house is in a suburb, you can't handle it.
Fourth, the work unit does not meet the requirements.
Generally, three high industries (high pollution, high water consumption and high energy consumption) and entertainment industries (KTV, bars and entertainment clubs) are basically forbidden to enter. Banks will carefully accept industries with overcapacity according to the situation of customers.
Verb (abbreviation of verb) credit report shows that it is too overdue.
At present, the requirements of major banks for credit reporting are particularly high.
For example, CITIC Bank requires no more than three times within six months; No more than six overdue times within two years, and no more than two consecutive overdue times.
For example, the Postal Savings Bank requires that it cannot be overdue for three consecutive times and six times in the past two years.
I hope my answer can help you!