1, pay attention to maintaining personal qualifications: for mortgage loans, banks have strict requirements on borrowers' credit reporting and repayment ability. Therefore, borrowers should pay attention to maintaining personal credit information and maintain sufficient bank flow. In terms of credit investigation, there must be no overdue records in the current period, no overdue records in a certain number of years, no bad debts and no excessive inquiries. In addition, the credit record must have a certain credit card or loan usage record, and cannot be empty. In terms of bank flow, try to make the monthly income reach more than twice the sum of monthly mortgage and other current liabilities.

2. Prepare complete information and check it repeatedly: Before applying for a mortgage, you can ask the salesman or bank manager what information you need and what problems you need to pay attention to. Then prepare relevant information in advance. In order to avoid omissions or non-compliance, we need to confirm and check with the sales staff of the real estate repeatedly.

3. Avoid the bank quota tightening period: every year, banks will have one or two quota tightening periods, especially at the end of the year. During the period of tightening the quota, the loans that banks can issue are very limited, so the loan approval will be stricter and the speed of mortgage approval will slow down. Therefore, before applying for a mortgage, we must first understand the bank's loan policy and quota status, and try to avoid the bank quota tightening period.

4. Avoid long holidays: When applying for a mortgage, try to avoid long holidays such as National Day and Spring Festival, because banks generally have holidays on non-working days, and loan approval will be suspended. It will waste a week to apply for a mortgage before the small holiday and immediately after the small holiday. The accumulated loan application before the holiday will also lead to the lag of mortgage approval.

5. Avoid the regulation period of the property market: When applying for a mortgage, try to avoid the node where the relevant department has just promulgated the regulation policy of the property market. The property market regulation policy has just been introduced, the loan approval will be stricter, the loan policy will be tighter, the mortgage approval will take longer than usual, and the probability of being rejected is higher than usual.

What are the precautions for bank loans?

1. Apply for loan amount: When applying for housing loan, the borrower should make a correct choice of current economic ability and repayment ability, and at the same time make a correct and objective plan for future income and expenditure.

2. Choose the appropriate repayment method: At present, there are two ways to repay the mortgage, one is the equal principal and interest repayment method, and the other is the equal principal and interest repayment method. Then the advantage of matching principal and interest repayment method is that the borrower can accurately grasp the monthly repayment amount and plan the family expenses, so this method is more suitable. Individuals who have strong repayment ability in the initial repayment period and want to spend a large sum of money in the initial repayment period to reduce interest expenses.

3. The information provided to the bank is true: when an individual applies for a commercial housing loan, the bank will ask the borrower to provide proof of economic income. If your income doesn't reach a certain level and you don't have enough repayment ability, but you exaggerate your income level, it is very likely that you will default at the initial stage of repayment, and the bank will investigate and collect evidence according to the information to prove whether it is true. If false information is provided, it will affect trust and directly affect loans.