Banks generally don't take the initiative to tell lenders the reasons for refusing loans, but they usually give answers when they ask bank staff. Generally, refusing a loan is a matter of credit, income and age, and in many cases it can be repaired or solved by other means. Intuitive reply is helpful to solve these problems.

What are the reasons for the rejection of mortgage?

1, maliciously overdue

If borrowers have the habit of using credit cards at ordinary times, they should pay attention. There are many cases where credit cards are overdue. For example, individuals do not understand the provisions of the bank repayment date, and the staff did not clearly inform the repayment date. If the borrower fails to repay the loan on time after applying for a student loan at the university, it will also be counted as overdue. Subjectively, the cardholder intentionally overdraws within the time limit and limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank, which is a malicious overdue.

2. Credit inquiry has been made many times.

I don't know if you realize that personal credit information can't be inquired frequently. If the borrower's credit information report is inquired three or four times or more in a period of time, but it shows that he has not obtained a new loan or applied for a credit card, it may mean that "he applied for a loan or a credit card from a number of banks, but failed", and this information may adversely affect obtaining a new loan or applying for a credit card.

3. Guarantee huge debts for others

If the borrower intends to borrow money to buy a house, then it is best not to guarantee huge debts for others. When vouching for others, we should also be based on his own ability. Do not exceed your own ability, and do not use your own real estate and other necessities as collateral. It is best to write "general guarantee" in the contract, otherwise it may bring you huge debts.

4. The income does not meet the requirements of the loan bank.

When reviewing the borrower's information, the bank will evaluate the borrower's income, and the bank will ask for proof of income. Generally, the relationship between income and mortgage can be expressed by the following formula: monthly income = monthly mortgage payment X2. If the borrower is still repaying other loans, it needs to be included. If the income of the purchaser does not meet the requirements of the bank, it will basically be appropriately rejected by the bank.

5. The borrower is engaged in high-risk occupation.

Banks also need to consider the borrower's occupation when approving mortgages. If the borrower is engaged in teachers, doctors, finance and other industries, the score will be higher. For people engaged in high-risk industries such as aerial work, dangerous chemicals, fireworks and firecrackers, the bank considers that such people may be in danger at any time and cannot guarantee to repay the loan on time. In order to avoid risks, it refused to lend money to such people.