Now everyone has the consciousness of spending in advance. When they are short of funds, they choose to borrow money from the bank. As long as the conditions are met, they can get a sum of foreign wealth and buy what they want, including cars and houses. Nowadays, people with mortgages, car loans and various loans abound. According to the latest China Financial Stability Report released by the central bank on 20 18, from 2008 to 20 17, the balance of individual housing loans increased from 3 trillion yuan to 2 1.9 trillion yuan, occupying the main position of household sector debt. With such a huge loan crowd, will banks adjust and restrict some people's loans one day?
In the report released this time, we have interpreted the housing and mortgage issues that everyone cares about. The central bank sent two important signals to the public. One is that the positioning of housing and not speculation will not change, and it will persist for some time to come. Although the house price is in the downward period, the regulation will not be weakened, and the residential property of the house will be pulled to a normal track and eventually return to rationality. After half a year of adjustment measures, many banks have raised the mortgage interest rate to a very high position, and will not loosen it in the future, but will maintain a high point.
In fact, as early as April, the central bank also pointed out that it is necessary to take care of those who just need to buy houses. What is emphasized now is to pay more attention to the residential property of the house. For buyers, there are two types of people who just need it: one is the group who just need the first suite. No matter how the house price is adjusted, such groups should be protected. Through the bank's long-term loan measures, it is not difficult to see that there is still a big gap between the interest rate of the first home loan and the interest rate of the second home and above. The other is the new crowd. The central bank believes that the replacement of the second suite is also a rigid demand. Many homeowners can't afford two suites and choose to sell small ones for big ones. This should be noted. Therefore, we have reason to believe that it will be easy to buy a house with group loans. Of course, everything has its opposite. The easy things are hard. The following categories of people need to be cautious when buying a house with a 20 19 loan, and the bank may not approve it:
1. People with bad debts and bad credit information.
People who owe money and don't pay it back are hated in life, and so are banks. For example, your credit card is often overdue, or too many credit cards in your name mean high debt ratio, and the bank will think that the borrower is suspected of raising a card with a card. In addition, with the rise of online lending, your loan products such as flowers and white strips are overdue. If you are on the list of dishonesty, the bank will carefully consider it. In addition, the credit report is also an important basis for applying for a mortgage. If the applicant has a bad credit report, the bank may refuse the loan or reduce the loan amount.
2 engaged in high-risk occupations or unemployed people.
High-risk occupation means that people's lives are threatened at any time. For example, people engaged in aerial work, dangerous chemical products and other industries, although their wages are high, are not necessarily recognized as stable income by banks. In order to avoid risks, banks may not consider such people. On the contrary, the work of state-owned enterprises and institutions, civil servants and teachers is much more stable, and banks welcome loans from such people. In addition, banks will have a separate evaluation method for unemployed people or freelancers who have no stable income. If the relevant tax payment certificate is unqualified, the bank will not accept it.
3. Multi-suite owners or people who are restricted from buying houses
(The above answers were published on 2018-11-21. Please refer to the actual situation for the relevant procurement policies at present. )