Any loan only examines the credit status of the loan at that time, thinking that as long as the loan is repaid on time, the job change will not be considered. The provident fund is the same, even if it is not paid in the future, it will not affect the loans that have already occurred.

Second, how soon do you want to borrow money to buy a house? We must master these six strategies.

Nowadays, many people choose down payment and loans to buy a house. Although loans need to be understood, we have collected and sorted out six strategies for buying a house with loans. Mastering these can ensure that your loan can be processed quickly and economically.

First of all, not everyone can borrow it for 30 years.

At present, the longest loan term is 30 years. At the same time, the sum of actual ages does not exceed the requirement of 65 years old, so it is different from the year.

For example, if you are 45 years old, according to the regulations, your loan term can only be 20 years at the longest.

Now, the more the use of provident fund, the more successful the application, and the provident fund in the account can be directly transferred to the developer's account.

However, during the payment process, you need to be careful not to use up your balance. Once you don't have a penny in your provident fund account, your provident fund loan amount will be gone, and you can't apply.

Third, it is best not to resign before buying a house.

When approving loans, banks need to comprehensively consider the lender's economic ability level, such as the stability of work, the stability of income and the growth trend.

If you resign before buying a house, it may increase the difficulty of loan and affect the progress of loan. Therefore, in order to get the loan smoothly.

Fourth, prepare a beautiful bank statement.

When applying for a loan, some banks will require the applicant to issue a 6-line running bill, and the bill amount is generally the repayment ability of the applicant's monthly payment.

If you think you put more money into your bank account six months in advance, or provide other financial proof. If you are married, you can mention it, and so can the real estate certificate in your name.

5. You don't have to choose the bank designated by the developer.

Designated banks will affect the handling of bank loans. In fact, this kind of worry is unnecessary.

There is usually a business relationship between developers and banks, and the use of designated banks is also for convenience. After setting up a bank, you can choose another bank.

Of course, when choosing a loan bank, we can comprehensively consider the loan cost and loan service. 、

The consistency of interest rate, the bank's regulations on early loans and the adjustment of repayment plan will all have an impact on it.

Therefore, lenders should borrow from banks with low starting point and adjustable repayment methods. In addition, many outlets and simple procedures are also one of the powerful means for banks to attract lenders.

Sixth, the average capital reduces interest expenses.

Average capital and matching principal and interest are loans that repay the same amount of loans (including principal and interest) every month during the repayment period; The latter is to divide the loan amount into equal parts during the repayment period and repay the same amount of principal and surplus every month. Because the monthly repayment of the principal is fixed, the interest is getting less and less, but with the passage of time, the monthly repayment is getting less and less.

If you take the method of average capital, reduce all interest expenses.

On the contrary, you can choose equal principal and interest, although the gold pressure in the early stage will be less.

3. Is it okay to submit a loan application without borrowing it? brief introduction

Friends often borrow money blindly, and after submitting a loan application, they find that there is no demand and want to cancel it. So, after submitting the loan application, I don't want to borrow any more, okay? This should be discussed in different situations. After all, different loan requirements will be different, such as bank loans and online loans.

Can I submit a loan application and not want to borrow it? 1, it takes time for bank loans to be approved. Generally, as long as the application has not been approved after submission, you can contact customer service to cancel. However, even if it is cancelled during the review period, you can still see the query record of bank loan approval on the credit information. If the audit is completed, it depends on whether to sign a contract or lend money. For example, if there is a specified time for signing a contract, the loan that has not been signed after the expiration will be automatically rejected and there is no need to cancel it. And if you don't need to sign a contract to borrow money directly, there is no way not to borrow money. Only when the money arrives can you repay in advance. In addition to repaying the principal, you have to pay liquidated damages. 2. The online loan approval speed is relatively fast, and many of them are automatically approved by the system. After the application is submitted, the results may come out in a few minutes. After approval, the fastest loan is 1 hour. If you don't want to borrow it after submitting the application, you won't have time to cancel it. You can only apply for early repayment after the loan arrives, and repay the principal, interest and liquidated damages. But it depends on the specific situation. After all, there are also online loans that will be automatically approved by the system and then manually recovered. If you don't want to get a loan, you can cancel the loan application directly with the customer service, and the customer can end the loan application. The above is "Can I not apply for a loan after I submit it?" I hope it will help you. In short, the online loan application is submitted and you don't want to borrow it. Need specific analysis. It's basically no problem for everyone to follow the above introduction.

I just submitted my application for car loan in 4s shop, and now I don't want to borrow it. Can I cancel it?

You can cancel, just cancel it directly; 4S loan application process: first, car buyers go to 4S shop to consult the car purchase situation and loan application method; Then, the 4S shop conducts a preliminary review of the loan qualifications of car buyers and signs opinions; Third, the 4S shop rechecks the loan qualification of car buyers and conducts a preliminary examination of banks; Fourth, after the approval, the 4S shop signs a car purchase contract with the car buyer, and the car buyer pays the down payment and handles the bank account for it; The fifth is to handle mortgage, notarization, insurance and other procedures; Sixth, bank lending; Seventh, the car buyer picks up the car.

Of course, different 4S stores choose different banks, so the loan process may be different.