Of course, when users submit mortgage applications again, they must ensure that they meet the conditions of mortgage applications. At the same time, they prepared complete mortgage application materials. Don't apply for a loan blindly. There are too many loan approval records on credit information, which easily leads to changes in credit information.
What information does the bank focus on when signing the mortgage in person?
First, distinguish the necessary conditions for repayment ability: marital status.
1. In case of marriage, both husband and wife must be present at each other's site and present the original marriage certificate and household registration book;
2. If you divorce, you need to show a divorce certificate.
Distinguishing marital status and showing marriage certificate and household registration book are the key prerequisites to distinguish repayment ability. Because the bank takes the family as the enterprise, it distinguishes the repayment ability of the borrower's family from the housing situation, defines the credit line and the annual interest rate of the loan, and the marital status of the borrower is a new item that the bank must check.
Second, show the income flow and confirm the repayment ability.
When the mortgage is signed face to face, the borrower's personal income certificate and bank running water are also key new items, because these two items can best reflect the borrower's repayment ability. Generally speaking, the monthly income is more than or equal to the mortgage loan X2. If it is lower than this standard, the loan will be hindered to a certain extent. If the borrower has repaid other loans, the agreed monthly income shall be ≥ (current loans
Mortgage) X2. The higher the income, the more stable it is, the easier it is for the loan application to be approved, and the higher the loan credit line is.
Third, good works: a copy of the business license of the enterprise as a legal person.
The corporate business license of an enterprise can show that the lender will have a good job, and it must be stamped with the company seal. However, if the borrower works in a state-owned enterprise or institution, he only needs to show his work permit or work certificate. In view of the bank's flowing water, the bank's regulation is that the flowing water lasts for 6 months. The production of this raw material will more effectively confirm the ability and level of the lender and provide a reassurance for the bank to further distinguish and issue loans. Lenders with this standard will also be the best target for banks to issue loans.
4. Clarify the loan credit line and annual interest rate: the current situation of the house.
The mortgage interest rates of the first suite and the second suite are different. If it is the first suite, you can bring a purchase contract. If it is the second suite, you need to bring the relevant confirmation of the first suite.
If you apply for a loan to buy a second suite, you need to show the real estate license and loan agreement for the first time, and the first loan that has been repaid must show the loan settlement certificate.
Housing ownership directly affects the number of loan houses, loan credit line and annual interest rate of loans that borrowers apply for second homes.
Verb (abbreviation of verb) personal credit information identification: personal credit information report
In the bank interview, take home as the enterprise to check the personal credit status of both husband and wife. Some banks will check the borrower's loan records in five years and overdraft card records in two years, while others will check a wider period of time. Because the current policies of banks are different, there will be differences in the relative looseness of checking personal credit information. In addition, I would also like to remind everyone that personal credit information should not be easily searched, and must be carefully searched in the case of loans. After all, the frequency of search is too high, which will cause some bad effects.
Face-to-face mortgage is actually the whole process of the bank's comprehensive evaluation of the borrower. Everyone must show authentic and credible loan materials. When signing face-to-face, you should consult the bank's current policy requirements for loan repayment methods and early repayment.
The above is what Bian Xiao shared for you about the consequences of refusing the mortgage in person. More information can focus on the construction industry and share more dry goods.