1. The condition of the house. Since it is a house mortgage loan, the condition of the house is naturally the most important. The bank will review it from the following aspects: 1. Nature of the house. There are many types of houses now, such as complete sets. , non-complete houses, office buildings, apartments, commercial residences, villas, etc. Banks are most interested in complete houses and villas. These properties have strong market liquidity and are relatively easy to cash out. 2. The age of the house. The age of the house mainly depends on the time when the construction started. Banks generally only accept houses within 25 years, or even within 20 years. Each bank has different standards. You can consult for details. 3. Nature of the land Normally, the houses developed by developers are leased land, but affordable housing and housing reform housing are allocated land. Why do we say this? Because land cannot be listed and traded unless it is sold. View method: Alipay-Citizen Center-Real Estate Inquiry.
2. Credit information record Although the credit information requirements for home mortgage loans are not that high, credit information still needs to be checked. After all, repayment integrity is also very important. 1. The number of overdue loans. The bank will check the credit report for two years. There cannot be three or six consecutive credit reports within two years. In addition, too many overdue times will also affect the loan review and indirectly reduce the loan limit. 2. Number of inquiries Internet loans are developing rapidly. Many people are accustomed to relying on online loans to solve their financial problems. Applying too many times will not only cause credit problems, but also cause great monthly repayment pressure, which will eventually lead to overdue payments. Regarding repayment or loan repayment, in short, everyone should control the number of credit inquiries and not apply for credit cards or loans frequently.