Personal income certificate shows your ability to repay the loan, not to mention the mortgage loan. Even if you apply for a credit card or personal credit loan, the bank will ask you to provide useful personal income proof.

2. Providing collateral and loan guarantor

It is naturally best to have a property under your own name as a pledge. If there is a personal credit defect and it is impossible to give proof of salary assets, banks will generally need to provide the insured as a guarantee. If the insured has real estate or other assets in his name, he will generally have a better chance to increase the mortgage loan amount.

3. Choose a professional loan service center for help.

Many people often encounter many problems that they can't solve because of their first mortgage or loan. If they don't do their homework beforehand, they can apply to the bank at will. If the first loan fails, the probability of being rejected for the second time is higher. Therefore, you should never test your personal credit with the bank. What's more, there are many technical professional, reasonable and legal loan companies that provide free service consultation, such as obtaining loans. It is easier to save time and effort by finding full-time staff to help through safe and quick methods, and further reduce the risk of being stopped.

4. Improve the real estate appraisal

Generally speaking, the higher amount of housing mortgage loan is 70% of the assessed value. In other words, the greater the assessed value of the house, the greater the loan amount. For example, the appraised value of the house is 6,543,800 yuan, which is relatively high, and it can borrow more than 700,000 yuan; However, if the appraised value of the house is more than 2 million yuan, the loan will be more than 1.4 million yuan. If the evaluation value of the house is not high, don't expect the loan amount to increase.

5. Improve personal credit information.

The borrower's own qualifications have an important impact on the amount of housing mortgage loans. Take personal credit reporting as an example. CITIC Bank shows that if the borrower's personal credit information finds any problems, even if it is only two or three malicious overdue records, the discount will be reduced to 50% or even lower. In this way, the loan amount is definitely not high.

6. Choose a high-level bank.

Each bank has different risk control methods and its own risk control system. Therefore, even if the same borrower mortgages the same house, the loan amount in different banks is different. If the borrower finds a stable bank when registering the mortgage loan, the loan amount will undoubtedly not be too high.

Under normal circumstances, when registering a mortgage loan, the loan company can decide whether to make the next payment through the comprehensive score of the mortgage loan. However, increasing the loan amount of mortgage is actually to improve the comprehensive score. In fact, there are many factors that endanger the "comprehensive score of housing mortgage loan", such as marital status, work profile, housing nature, debt, income, personal credit information, etc., all of which have certain influence on the comprehensive score.

Can the house be mortgaged by online loan? First, personal credit records.

When reviewing loans, banks will take the customer's personal credit report as the main basis for approval. Some customers have a lot of negative news in their personal credit reports. If my credit rating is relatively low, it will do great harm to the loan review and may even lead to the suspension of loans. At present, many online loan products have been connected to the central bank's personal credit information system. If the customer fails to repay the loan in time, resulting in loans overdue, there will be negative news in the credit report, which will affect the bank loan application.

Second, my repayment ability.

Bank bank loans require borrowers to provide their own identity cards, household registration books, personal income certificates or personal tax payment certificates, and then evaluate the repayment ability according to the overall qualification certificate of the enterprise. But many people may not know that applying for online loan records is one of the factors for bank staff to evaluate their repayment ability. If the borrower applies for several online credit loans in a short time, the bank may doubt his personal repayment ability when reviewing the loans. In addition, if the borrower's personal credit report is repeatedly checked by financial enterprises by factors such as "loan review" and no specific loans are made, the bank will also think that the borrower is rejected by the loan company because some standards are not up to standard, so the bank will be very cautious in loan review.

Third, the use value of collateral.

The vast majority of bank loans, such as housing mortgage loans, are based on the use value of collateral, and banks can determine the loan amount through collateral property rights certification documents and collateral analysis report materials issued by the evaluation department. Therefore, it is not difficult for us to find that with the online loan record, we can't immediately determine whether we have successfully applied for a successful bank loan. However, if there is a bad credit record due to online loan in loans overdue, or if the bank doubts my repayment ability due to too many online loan applications, it will seriously affect the audit of bank loans.

Fourth, applying for excessive online loans endangers the credit line.

In fact, the housing mortgage loan is to review the real estate situation under the borrower's name first, but if you apply for more online loans, it will endanger the housing mortgage loan. The key point is that if there are too many households who have applied for online loans before, banks will feel that borrowers are short of funds during the audit, so they will reduce a certain amount when issuing loans. After all, in addition to the property itself, they will continue to comprehensively ask the borrower about other things.

Too many online loans actually not only cause great inconvenience to the handling of loans in the future, but also have a certain impact on the borrowers themselves. For example, some informal online lending systems will take this opportunity to collect the borrower's information and sell it to others, resulting in the disclosure of the borrower's name, mobile phone number, ID number and other data, and often receive harassment from sales calls.