If you are not qualified to buy a house, you cannot apply for a loan. Before buying a house, make sure you meet the local purchase policy.

2, does not meet the loan policy.

The loan policy is mandatory, and more than 20 cities have announced restrictions on purchases. Most cities require to verify the number of properties under their names when reviewing commercial loans, and it is not allowed to apply for commercial loans beyond a certain number.

3. There are obvious problems in credit reporting.

In the process of personal credit investigation, there is a saying that "three tired six". In other words, if the borrower fails to pay back a penny for three consecutive months, it is basically considered as malicious failure to pay back, and the possibility of being rejected by the bank is quite high. In addition, if the borrower is overdue for more than 6 times, then the loan application will be more troublesome.

If there is an error in the credit record, it can be corrected; If credit stains are confirmed, good credit habits must be maintained in the next two years. Because the general bank will check the credit records in the last two years, if there is no credit record in these two years, it will refer to the credit records in the last five years (note: personal bad credit records will be kept for five years).

4. Providing false materials

The most important thing is proof of income. If the bank finds that the materials are fraudulent, even if there are no problems with other materials, it may be considered subjective and malicious, and it is likely to refuse the loan.

5. Suspected of fraudulent loans.

There are generally two situations. One is a false transaction between buyers and sellers, with the purpose of defrauding bank loans; The other is the inflated loan amount. For example, the appraisal price of the house itself is 2 million, the down payment is 600,000, and the loan is 6,543.8+0.4 million. Buyers and sellers raise the transaction price of the house through certain means to obtain more loans (the actual transaction price is lower than the contract price), with the aim of reducing the down payment cost and even realizing zero down payment.

6. Over age

Although the bank stipulates that the legal loan age is 18-65, the actual situation is that borrowers aged 25-40 are the most popular. Considering the repayment ability and repayment time, borrowers over 50 years old are not very popular with banks.

How much can commercial loans and provident fund loans borrow to buy a house? Generally speaking, if it is a commercial loan, the first suite now requires a down payment of 30% and a loan of 70% is the upper limit. The final approval depends on credit records, income, bank flow, family situation, work unit, etc. These factors ultimately determine whether the bank believes that you have the ability to repay the loan. In addition, according to Article 36 of the Guidelines for Risk Management of Real Estate Loans of Commercial Banks issued by CBRC in 2004, commercial banks should focus on evaluating borrowers' repayment ability. The ratio of monthly housing expenditure and income of the borrower's housing loan should be controlled below 50% (including 50%), and the ratio of monthly debt expenditure and income should be controlled below 55% (including 55%). If it is a provident fund loan, it depends on how much the provident fund is paid. The provident fund is divided into seven districts, namely, the maximum amount of commercial housing loans is 400,000 yuan, and the maximum amount of second-hand housing loans is 250,000 yuan; The five cities will implement the regional quota standard, that is, the maximum commercial housing loan is 200,000 yuan, and the maximum second-hand housing loan is 1.5 million yuan. The approval of the loan amount of provident fund is related to the monthly provident fund deposit amount, age, house age and deposit ratio.

One: the developer refused to sign the mortgage. Under normal circumstances, if the developer does not have the development conditions, the developer's development procedures are incomplete or the developer has serious credit problems, the bank will refuse the loan application because the developer does not have the guarantee ability at this time. 2. Personal reasons The personal reasons for refusing to sign a mortgage are mainly that the borrower has a serious bad credit record, the monthly income and repayment ability can not meet the loan conditions, conceal the facts, and provide false application materials. For individuals applying for a second home loan, banks should also check whether they have outstanding loans. 3. Policy reasons The reason for refusing to sign a mortgage policy may be that the financial management department has introduced new policies and regulations, which makes the loan applicant unable to meet the loan application conditions and is finally rejected by the bank. If consumers are going to apply for personal loans in banks, they must be aware of the above three situations that may refuse to approve loans, and the mortgage application banks affected by any of them will not approve them.