The difficulty of applying for mortgage approval in rural commercial banks depends on individual circumstances. In the case that the personal credit is good and can bear the mortgage, the credit information of the rural commercial bank's mortgage approval will not be very strict. However, if the personal credit record is not good, or the bank's running water does not meet the requirements, it is not easy to apply for a mortgage in a rural commercial bank, because in this case, the approval of credit information is more severe.

Applying for a mortgage can be said to be an important part of people entering the ranks of homeowners in modern society. It should be said that it is perfect to buy a house, pay a down payment, sign a house purchase contract with the developer, and be able to successfully approve loans and loans in the bank. Compared with the four major banks, it is relatively difficult to apply for a mortgage in a rural commercial bank. However, the content of the mortgage approval process of each bank is similar. It is not easy to apply for a mortgage in any bank if the personal credit information is tainted or the bank running water does not meet the requirements. In addition, due to the tightening of domestic restrictions on purchases and loans, the loan quotas of banks are insufficient, and many banks have stopped lending. Therefore, it is suggested that in the process of applying for mortgage loans, we should not only pay attention to the difficulty of approval, but also know more about the bank's mortgage amount. If the mortgage is approved successfully, but the bank has been unable to get the loan, it is meaningless.

In the context of the gradual decline in the transaction volume of the real estate market, the Agricultural Bank of China still achieved a year-on-year increase in personal housing loans in the first seven months of this year, of which the loan amount used to support residents to purchase the first suite accounted for more than 90%; From May to July, China Bank added 35.2 billion yuan in personal housing loans, with the first home loan accounting for more than 90%; China Construction Bank said that in June, personal housing loans increased by 40 billion yuan, 654.38+0 billion yuan more than the average monthly increase in the first five months of this year, and the first home loan accounted for more than 90%. The scale of mortgage loan approval has not been tightened or relaxed.

Relevant persons of the Agricultural Bank of China said that the scale of loan approval has not changed, nor has it been tightened or relaxed. Loans that meet the loan access conditions can basically pass the examination and approval, and the approval rate is stable at over 90%. Generally speaking, for everyone, there are still many conditions for the approval of bank loans. When applying for a loan, you must know clearly in advance and make clear the process and conditions of the loan. If the relevant information is complete, the loan will be processed soon, not more than half a month.

How difficult is it to apply for mortgage approval?

It is not difficult to apply for mortgage approval. What is rare is whether our own information can meet the conditions of bank lending. Then how can we handle the loan approval and pay the house payment better and faster? Just do the following.

First, go to the business department to inquire, and ask the staff of the business department what materials they need to prepare if they apply for bank loans, which bank is the cooperative loan bank, what is the loan interest rate of the bank, what is the down payment ratio, what is the mortgage amount, what is the monthly repayment amount (both the equal principal and interest repayment method and the average capital repayment method), and how long it will take for the approval.

Second, prepare relevant materials, among which the most important down payment must be paid from your own bank card, the overdue record of credit information should not exceed 5 times, and the debt should not exceed twice the monthly flow of bank card+monthly repayment amount. If the credit is overdue, it will form a bad record. For overdue records with no more than 5 times, there are generally two ways to deal with them. One is to continue to approve loans according to the normal mortgage approval interest rate, and the other is for banks to increase the loan interest rate to apply. The second is the more common bank handling method. Then if it is overdue for more than 5 times, the bank may directly refuse the loan and return your original information.

3. After the mortgage loan is approved, the staff will verify the information provided by you, and then the staff of the sales department will inform you to go to the bank for face-to-face signing. At this time, tell the truth according to the information on the information, and fill in the relevant information after completing the inquiry. At this time, you can tell the staff which repayment method you want to choose (average capital and equal principal and interest), and the bank staff will modify it according to your requirements. Fill in the information and you can go home and wait for the news.

Therefore, it is not difficult to apply for mortgage approval, as long as the relevant procedures are completed as required. I hope my answer is helpful to everyone.

Is it easy to approve a commercial loan for buying a house? It is not difficult to do these well!

; ? Buying a house is a big deal for ordinary families. At present, the house price is not low, and there are not many families who can buy a house in full. Most people will choose loans to buy a house, and it is better to apply for provident fund loans, and the loan interest rate is lower. Is it easy to approve a commercial loan for buying a house? In fact, it is not difficult to apply for a mortgage in line with the conditions.

Is it easy to approve a commercial loan for buying a house?

When the bank approves the mortgage and the house meets the conditions for applying for a loan, then the bank will focus on the credit status, repayment ability and debt ratio of the loan applicant, so as to decide whether to approve the loan.

If the loan applicant does the following, it is more likely to pass the mortgage approval smoothly:

1. Get ready before lending.

If you want to apply for a mortgage, you must make preparations early. If the bank's running water is not ideal, you must ensure that your commonly used bank card has a stable running water six months ago and a stable amount of money is credited every month, so that it can pass the bank's audit smoothly in the later stage.

2. Maintain a good credit status.

Credit information is one of the important bases for banks to approve mortgage loans, which reflects borrowers' repayment habits, repayment significance and repayment ability. If the credit information is poor and the income is high, it will not pass the approval of the bank.

If you want to apply for a mortgage, it is recommended not to apply for various credit products within six months. If you owe money, you must repay it on time, not overdue, and reduce your debt ratio.

3. Maintain a stable working condition.

A stable job and income source are also the focus of the bank's investigation, which greatly affects the qualifications of borrowers, because before applying for a mortgage, it is recommended that you don't jump ship at will. If you change jobs frequently, the bank will feel that the borrower's working status is unstable, his repayment ability is worrying, and loans overdue is too risky to lend money.

4. Submit complete and effective application materials.

When many people apply for a mortgage, they often find that the information they provide is incomplete, or the information is not recognized by the bank. Be sure to find out all kinds of information needed for mortgage application, and ensure that their information is true and effective, and the information should be symmetrical and consistent.

When it comes to whether it is easy to approve a commercial loan for buying a house, it is not so difficult to apply for a mortgage if you do the above, so don't worry too much.

Is it easy to apply for a business loan? What conditions need to be met?

High housing prices are a heavy economic burden for ordinary families and a major event for families. After all, there are still a few families who can buy a house in full. Ordinary families must choose commercial loans to buy a house. It is definitely the most suitable for applying for provident fund loans. After all, the loan interest rate is very low. If you want to buy a house through a commercial loan, you still need to meet certain conditions. As long as these conditions are met, it is not difficult to apply for a commercial loan.

When we submit a commercial loan and the house meets the conditions for applying for a loan, the bank will focus on our applicant's personal credit information, bank flow, repayment ability and debt ratio, and decide whether to pass the examination and approval according to these conditions. In fact, as long as the applicant can make preparations in advance, it is still very likely that the bank will pass the commercial loan.

Buying a house is not a sudden plan. This must have been planned for a long time. According to your own economic situation, you need to make preparations in advance. The bank will need our applicant's bank flow in six months. If the flow is not ideal, it will also affect the loan approval. So you can prepare half a year in advance. It is necessary to ensure a stable flow of bank cards that are often used, and to deposit a certain amount of money steadily every month, so that banks can see a stable flow of water in order to successfully pass the audit.

Personal credit information is a very important basis for mortgage review. If there are bad records such as overdue personal credit information, it will also affect the bank's approval. A good personal credit record reflects the applicant's repayment habits and ability. If the applicant has a high income but a poor personal credit record, the bank will also refuse the loan application.

Stable work and income are also the focus of the audit. If you want to buy a house with a loan, don't change jobs for at least one year. Banks that quit jobs will be reluctant to lend money because the applicant's working status is not stable enough, which will affect the repayment ability and may be overdue. Another point is to submit complete application materials. Incomplete information directly affects the bank's audit, so it is necessary to ensure the authenticity and validity of the information.