1. Increase the down payment

Because your down payment is 30% and the loan is 70%, your monthly payment is larger. If you have extra money, you can increase the down payment appropriately, 40% or 50%. In this way, the loan will be smaller, the monthly payment will be smaller, and the bank's flow requirements will be lower.

2. Extend the loan period

If you have a loan for ten or twenty years, you can extend it to thirty years. In this way, the monthly payment will be relatively reduced, although the interest will increase. , but it is impossible for an average family to repay the loan in 20 or 30 years, so if it is repaid early in the later period, the difference will not be much different.

3. Change the loan bank

Because some banks are very strict in terms of bank flow, while some banks have looser bank flow requirements, and even those with a monthly payment of less than a few thousand are not required. Bank statements are provided, so this is also a solution.

4. Provide other property certificates

If you have time deposits or other properties in your name, these can be provided to the bank, and the bank will also approve your loan application as appropriate, because The bank requires you to provide bank statements only to see your repayment ability, so providing proof of assets can also meet the bank's requirements.

5. Find someone to guarantee

Generally young people cannot meet the bank's loan application requirements, but they can still apply for a loan if their parents who have the ability to repay provide a guarantee.

6. Add *** the same lender

If you are married and cannot get a loan with your personal financial situation, you can use the income certificate and identity of the other spouse as your * If you are the same borrower and apply for a couple's loan from the bank, this will not only greatly reduce the bank's personal turnover requirements, but also effectively increase your loan success rate.

Zhongdingpeng reminds everyone not to listen to other people’s so-called fake statements. It is easy to be rejected for a loan. Not only that, you should also keep your eyes open when looking for a lending institution to prevent being deceived