1, affected by income certificate and bank flow.
To apply for a mortgage loan, the income of the applicant should be examined. It is best for the applicant to provide his income certificate and a fixed 6-month bank flow certificate to the bank to prove his ability to repay the loan. If the monthly income is not high, his house payment will not be much.
2. Affected by the existing housing conditions.
Affected by the current policy of restricting purchases and loans, if the applicant has previously borrowed money to buy a house, it will affect the down payment ratio and interest rate of the next loan house. If the number of loan houses exceeds the limit, the bank will no longer approve the loan.
3. Affected by marital status.
For the home purchase loan with the family as the unit, it is necessary not only to investigate the housing situation and income of the husband and wife under their respective names, but also to sign in person at the time of mortgage, and provide marriage certificates, household registration books and other materials.
4. Affected by the credit report.
A good credit report shows that the applicant's credit is also good, which is very beneficial to loan approval. Only applicants with good credit can gain the trust of the bank. Half of the loans are approved by the family, which means that the loan records and credit card records of both husband and wife should be reviewed within a certain period of time. If loans overdue, it will affect the loan approval and even be rejected.
5. Affected by age and occupation
The borrower must be able to repay the loan, which requires the borrower's age and occupation. Most banks require borrowers to be 65,438+08-65 years old, especially 25-40 years old. Moreover, occupations with stable incomes, such as civil servants, doctors and teachers, are more likely to be approved.
6. Affected by the age of the house.
If you buy a second-hand house with a loan, the retention period of the house will also affect the approval of the mortgage. If it is 20-25 years, the second-hand house is likely to refuse the loan or the loan amount is not high.
Editor's summary: The above is an introduction about how the mortgage approval will be affected. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com information.