The application materials for 1 are incomplete.
In order to successfully apply for loans from banks and other lending institutions, complete information is essential, otherwise it is difficult to apply. Therefore, Bian Xiao would like to remind everyone here that before applying for a loan, it is best to consult the lending institution about the loan procedures that need to be provided and make preparations in advance.
2. Bad credit and overdue for many times.
When you apply for a loan from a bank or other lending institution, the bank will first check your credit history. If you are overdue too many times, the bank will think that you are a borrower with poor integrity and may not repay the loan on time, so it is easy to be rejected, and the People's Bank of China will not like you.
Too much debt.
In addition to checking the borrower's income and personal credit, the bank will also check the borrower's debt. Generally speaking, according to the regulations of most lending institutions, the borrower's monthly repayment amount cannot exceed 50% of his monthly income, otherwise it will be difficult to get a loan. For example, suppose your monthly income is 10000 yuan, but if your debt is as high as 10000 yuan, who else will lend you money?
The income in April was too small to meet the standard.
Let me give you an example to better understand. If there is a loan product, only people with a monthly income of more than 6,000 yuan can apply, and people with a monthly income of less than 3,000 yuan can apply, then no matter how good your credit record is, that institution will not give you a loan. Therefore, when you apply for specific loan products, you must find out what the entry threshold of other people's products is, otherwise it will be a white application.
5. Unreasonable loan use
When you apply for a loan from a bank or other institution, the bank or other lending institution will ask you the purpose of the loan. The formal loan purpose is to buy a house, a car, travel, go abroad, daily consumption and so on. But if the purpose of your loan is to pay back money, stock trading, gambling, etc. Then the "Congratulations" loan application will be rejected.
First, how to buy a house with a bank loan
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. At present, personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.
Personal housing portfolio loan
Refers to the loan issued to the same borrower from the housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and white camp loans. In addition, there are housing savings loans and mortgage loans.
(2) individual housing entrusted loans
Refers to the loan that the bank entrusts the housing provident fund management department to issue to individuals who purchase ordinary housing according to the requirements of the Regulations, with the housing provident fund deposits as the source of funds, also known as provident fund loans.
(3) Personal housing loans
It is a loan to individual property buyers based on bank credit funds. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Second, what conditions do you need to borrow money from the bank to buy a house?
1. Agree to use the purchased house as mortgage guarantee.
2. The age of the borrower plus the loan period shall not exceed 65 for men and 60 for women.
3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China.
You must pay a down payment of not less than a certain percentage of the total price of the house purchased.
5. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan.
6. A house purchase contract or agreement has been signed.
This answer is my own detailed search for professional channel information and editing. How is it possible to copy?