Many homebuyers will choose loans to buy a house. When applying for a loan, you are likely to encounter the problem of too few mortgages. This is because the bank's mortgage amount is related to many factors, both national policy factors and buyers' own factors. So what if the mortgage is too small to apply? Have you tried these tricks? Many homebuyers will choose loans to buy a house. When applying for a loan, you are likely to encounter the problem of too few mortgages. This is because the bank's mortgage amount is related to many factors, both national policy factors and buyers' own factors. So what if the mortgage is too small to apply? Have you tried these tricks?

First, why did you apply for too little mortgage?

1, the buyer's own reasons

Banks will use this mechanism to choose buyers: people with serious personal credit information refuse loans; Personal credit information has slightly increased the down payment ratio, or floating loan interest rates; White families with credit information rank behind those with ordinary credit information data; If there is no problem with the credit data, it should be ranked behind the assets. In addition, the repayment ability of buyers also affects the loan amount. The monthly income must be more than twice the monthly payment? This is the basic requirement for any bank to apply for a mortgage. Therefore, if the income certificate of the buyer cannot reflect that the monthly income of the buyer is more than twice the monthly payment, then the loanable amount will naturally decrease.

2. Policy reasons

What is the main direction of national supervision? Do you want to live in a house? But more detailed policies still require local governments to formulate their own policies according to local conditions. Therefore, the policies of restricting purchases and loans in different places are often different. Some places are limited to one set, while others are limited to two sets. Some loans are 500,000 yuan, while others can only borrow 300,000 yuan.

3. The problem of room age

The house is also old, limited to 70 years of property rights. The older the house, the harder it is to get a mortgage in the bank. Because, when banks review the liquidity of houses, they also need to consider whether the mortgaged houses can be auctioned and whether the auction proceeds can offset the cost of bank loans after the lenders fail to repay the mortgage. Therefore, the older the house, the less the loan amount, and even the bank directly refused the loan.

Second, what should I do if I apply for too little mortgage?

1. Apply for a portfolio loan.

Some buyers prefer provident fund loans, but the amount of provident fund loans is lower than that of commercial loans. If your provident fund loan amount is not enough, you may wish to apply for a portfolio loan, that is, a combination of commercial loans and provident fund loans, which can not only save the cost of buying a house, but also have a higher loan amount.

2. Apply for the same loan.

Maybe your monthly income will be relatively low, resulting in a low mortgage amount. But if you are married, try to apply for a loan with your husband and wife, which can increase the loan amount and solve the problem of insufficient mortgage amount.

3. Maintain good credit information.

If you have a bad record in your personal credit report, the bank will reduce your mortgage amount or refuse the loan directly. Therefore, everyone must pay attention to keeping personal credit information, such as returning credit cards on time and paying living expenses in time.

Step 4 change banks

Different banks often have different standards for applying for loans. If your mortgage amount in the bank is low, you may wish to change to a bank with relatively loose review, and maybe you can get a high mortgage amount.

5. Give up the old second-hand house.

The age of second-hand houses will also affect the loan amount. Generally speaking, the shorter the house age, the easier it is to get a mortgage and the higher the loan amount. Therefore, when buying second-hand houses, buyers may wish to give up those old second-hand houses and choose some relatively young second-hand houses, which can increase the loan amount.