1, people who have no fixed jobs
When banks lend money, they usually check their work. This is to ensure that borrowers can repay on time. If the job is unstable or there is no job, the loan application will be rejected. People with unstable jobs, especially freelancers, need to evaluate their repayment ability. If your ability is not enough, it is recommended to consider the actual situation clearly and not to rush to borrow money to buy a house.
2. People who are too old
The age requirement of borrowers stipulated by banks is between 18-65 years old, with 25-40 years old being the most popular group, followed by 18-25 years old and 40-50 years old. People aged 50 to 65 are more prone to physical problems, which will affect the normal repayment of loans, so banks are usually reluctant to lend to older people. If you really want a loan, you can use the name of the child, but you should consider the influence of the loan record on the child's future purchase.
3. The income is not up to standard.
Income is the standard for banks to judge a person's repayment ability, and the borrower's income reflects his repayment ability. The relationship between monthly income and monthly payment required by the bank is: monthly income = monthly payment X2. If it does not meet the requirements, the expected loan amount may not be reached. If you are married, you can provide proof of income of both husband and wife, and you can get a loan if you meet the conditions.
4. People engaged in high-risk occupations
When approving loans, banks will examine the occupations of borrowers, such as those engaged in high-risk industries such as aerial work, dangerous chemicals and fireworks. Considering that these people are in danger at any time, they can't guarantee timely repayment, and refuse to lend in order to avoid risks. There's nothing the bank can do.
When approving the loan, the bank will evaluate the borrower's occupation, education, age, age of the house purchased and income status. In addition, in order to handle the mortgage smoothly, buyers also need to maintain their own credit information.
So, under what circumstances may it lead to a bad credit record?
1. The credit card is overdue for three consecutive times (or six times in two years).
2. The monthly payment is overdue or overdue for 2 to 3 months.
3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
4. If the loan interest rate is raised, it will still be paid according to the original amount; Monthly payment, resulting in overdue interest.
5. Sleep credit card; If you don't use it after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.
6. Credit card overdrafts and mortgage loans are not repaid on time.
7. When providing a guarantee for a third party, the third party fails to repay the loan on time.
8. Economic disputes such as debts will also affect credit records.
9. Water, electricity and gas charges are not paid on time.
10, personal credit card cashing behavior.
1 1. Outstanding student loans.
12. Mobile phone charges are linked to bank card charges. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.
13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.
Of course, the requirements of different banks may be different, so you should consult the local loan bank to understand the policy changes in advance and be prepared to buy a house.