In the Chinese people’s inherent concept, you have a home only if you have a house. However, in the era of high housing prices, it is extremely unrealistic for ordinary home buyers to buy a house with full payment, so buying a house with a loan has become an inevitable choice.

Recently, with the tightening of bank loan policies, the probability of loan rejection has also been increasing. Therefore, many home buyers said: Although the loan materials were fully prepared and properly prepared, they were still rejected by the bank. What is the reason? So the editor below will analyze for you the four aspects that bank credit managers will focus on when interviewing.

Inspection point 1. The length of working time of the lender

Generally during the interview, the bank credit manager will ask about the lender’s work unit, job position and nature, and the length of employment. Why do you ask that? This is because when you apply for a bank loan, the bank generally requires the borrower to have worked in the company for 6 months. If you are a newcomer to the workplace or someone who has just changed jobs, you will basically be denied a loan.

In addition, everyone must pay attention to this: you must not cheat on your working hours. Once discovered, they will be blacklisted by the bank, and it will basically be difficult to get a loan in the future.

Inspection point 2. Lender’s salary level

In addition to the requirements for the length of working hours of the lender, the lender’s income level is also a very important inspection point during the credit manager’s interview. . Because before a bank issues a loan, it must first examine whether the borrower has sufficient repayment ability.

Normally, the credit manager will verify the lender's personal bank statements by asking questions such as the date of salary payment and the bank to which the salary card belongs. Therefore, it is recommended that everyone prepare their salary slips before the interview to increase the loan approval rate.

Inspection point 3. The family situation of the borrower

In fact, when applying for a mortgage loan, the nature of work and income of the borrower and his or her spouse are also the focus of the credit manager's investigation. Therefore, here is a small suggestion from the editor. If a couple takes out a joint loan to buy a house, they can choose the one with a higher income and a more stable job as the primary lender.

Why do you do this in the above situation? In fact, doing so will allow banks to reduce risk control and greatly increase the success rate of obtaining loans. At the same time, the physical condition of the borrower's parents is also one of the credit assessment points. The health and absence of diseases of the parents is definitely a bonus item in the lender's assessment process.

Inspection point 4. Purpose of loan

Many people may not know that not only those who meet the bank's requirements and have the ability to repay can successfully obtain bank approval. Why is this? Because since then, the country has gradually implemented purchase and loan restriction policies, the number of properties under each home buyer's name has become a must-check item for banks. If the home buyer does not meet the regulations, he cannot apply for a loan.

In addition, everyone needs to be reminded that the number of houses for each person is based on the family unit. In real life, many lenders are rejected by banks because the number of properties does not meet relevant regulations.

Based on the above, the editor finally recommends that before taking out a loan to buy a house, you must prepare relevant information in advance: such as original ID card, copy of ID card, salary slip, personal credit report, etc., so that The possibility of successfully obtaining a mortgage loan is greatly increased.