When buying a house, many people will choose to apply for a loan from the bank. Before that, they will check whether they are eligible for a loan. How do they check whether they can borrow a mortgage? Today, Bian Xiao will introduce it to you.
1. How can I inquire whether I can mortgage a loan?
1. If you want to know whether you can apply for a mortgage loan, you can consult the bank staff, who need to make a judgment based on the information you provide. Because no one can judge whether you can apply for a mortgage yourself.
2. You need to provide information and review your qualifications before you can do it. Mainly to judge your repayment ability and investigate your credit information. See if you are in debt or have credit problems. If the problem is not serious, the bank will consider accepting your loan application.
However, if your credit report is tainted, the bank may not accept it, or there are other conditions to succeed.
Second, how to check your own credit report
At present, banks are still strict about personal credit inquiry when approving loans. For individuals, we can query in two ways.
1. Through on-site processing, you can go directly to the People's Bank for inquiry, bring your ID card, and the staff will print out your credit report, but don't make inquiries too frequently, because the bank will limit the number of times.
In addition, online inquiry is also feasible. You need to log in to official website of China People's Bank, pass the real-name authentication of ID card, and submit an inquiry application. However, you need to register first, and you will receive SMS notification about the next day.
3. Some people will make inquiries through the mobile APP. According to the documents issued by the central bank, it is forbidden to make inquiries through the APP, because it will reveal personal privacy and encounter fraud problems. To be on the safe side, it is more reliable to inquire through official website.
Bian Xiao concluded: If we want to apply for a loan, we need to submit relevant information to the bank before we can sign a loan contract with the bank.
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