; ? Now, whether you go to the bank for a loan or borrow money through mobile phone software, you need to review it. Review time varies from a few minutes to a few days. In addition to the borrower's personal identity information, the credit report is an important object of review. So what is the specific content of the review? Let's get to know each other.
Loan records for one or two years
The credit report will have the borrower's detailed personal data and loan records, and banks and financial institutions will focus on six aspects. First, the lending institutions, second, the total amount of loans, third, the types of loans, fourth, how many loans are still outstanding, fifth, the amount of loans to be repaid every month, and sixth, the situation in loans overdue.
As can be seen from the above, the borrower's debt ratio and repayment pressure are not great, so it can be judged whether the borrower has enough repayment ability to avoid the subsequent loan being unable to repay due to excessive pressure.
Second, credit card records.
Information such as application, installment, overdue and rejection can be reflected in the credit report. Banks mainly look at the current number of credit cards, the total overdraft of credit cards and the overdue situation of credit cards.
I suggest you don't apply for too many credit cards, 2-5 or so are more suitable, too many will inevitably tx.
If you are suspected of returning a card with a card, it will be more difficult to handle other business.
Third, personal data.
Bank financial institutions will compare personal information such as name, education background, date of birth, age, home address, contact information, marital status, work unit, telephone number, education background and spouse information with the loan application form to see if there is anything false or forged.
In short, the loan review will not only compare your personal data, but also analyze your assets and liabilities to see if you meet the conditions for loan and card application. If you don't meet them, you will refuse them directly.
What does the bank mainly examine when approving loans?
1. Credit report: The credit report is the embodiment of the borrower's personal credit. A good credit report shows that the borrower has good loan and repayment habits, and it is more likely to repay the mortgage on time in the future. Credit reports are usually based on families, and banks often check the credit reports of both husband and wife.
2. Existing housing situation: At present, many cities in China implement the policy of restricting purchases and loans, so banks will review the applicant's existing housing situation, and the number of existing houses under the borrower's name and repayment will directly affect the down payment ratio and loan interest rate of future purchases.
3. Income certificate and bank running water: The borrower's income and running water are important items for bank audit, because these two items directly reflect his repayment ability. Generally speaking, the bank's requirement for repayment ability is that the monthly income should reach twice the monthly payment. If the borrower is repaying other loans, it is required that the income should be twice the sum of the existing loans and the monthly mortgage repayment. Bank running water usually needs to be provided within 6 months. It is recommended that buyers use bank cards with more traffic transactions when applying for loans.
What are the main aspects of bank loan audit? Pay attention to these!
; ? Nowadays, many people will seek the help of the bank for the first time when they encounter financial problems. After all, the bank loan is a good choice with high amount, quick repayment and low interest. However, the bank's audit is strict, and it may be rejected if it is not careful. So what are the main aspects of bank loan audit? There are mainly the following kinds.
1, check personal data
The most important thing in loan audit is to compare the identity information of the borrower to prevent someone from stealing the ID card loan. The bank will check your name, date of birth, mobile phone number, education, residence address, work unit, marital status, basic information of your spouse and so on.
2. Credit purchase transaction
This includes your credit history in bank financial institutions, including loans, credit card use, repayment and so on. These records are very important and are the key contents of verification. The loan amount, lending institution, repayment record, overdue situation and other information will affect your success rate in applying for a loan. Never overdue, or you may be rejected directly.
Six months in a row means three months in a row and six times in a row means that the repayment is overdue. If this happens, it is extremely difficult to apply for a credit loan, so you can only try to apply for a mortgage or pledge loan, and the overdue records should be repaired in time, otherwise it will cause a lot of trouble.
3. Credit card
Credit card is a very important financial tool. Many people will apply for several different credit cards and even go to tx for convenience.
And it will also produce some sleep card. These habits are very bad, which will not only lead to higher debt ratio, but also be easily controlled by bank risks. Everyone should learn to control the number and limit of credit cards reasonably.
What does it mean that the mortgage needs preliminary review and final review?
Preliminary examination of mortgage: literally means preliminary examination. The ultimate success of mortgage management depends on the assessment of banks at all levels. The first trial is the first audit of the bank manager.
Final review of mortgage: the final review is the review of temporary loans. If the final review is passed, the loan will be fine. Every bank is different, but it will be audited many times.
Mortgage audit is generally carried out from the following two aspects:
1, view the property values.
The first thing that needs to pass the loan review is the value of the mortgaged property itself. According to the changes in the market, the properties in different locations, different environments and different locations in the city determine whether they meet the loan conditions. The type and age of real estate are all factors to evaluate real estate, and the value of real estate is not determined according to the transaction price of buyers and sellers, so it needs to be evaluated by a professional evaluation company.
2. Review the borrower's ability
Secondly, for the loan applicant himself, income source, family status, social background, credit record, etc. They are all the objects that banks need to review, and there are also relevant regulations on the age and physical condition of lenders.
Extended data
Information required to apply for mortgage loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
References:
Baidu encyclopedia-mortgage