It is difficult to reduce the examination and approval items, so you can only learn more about the relevant policies yourself.

First, understand the mortgage policy in advance

Knowing the current mortgage policy, how much you can borrow and how much interest rate you can get, buyers should fully consider their own personal loan conditions and arrange their own funds in order to meet the requirements of personal housing commercial loans and reduce unnecessary time consumption when buying housing loans.

Second, check the credit history.

At the same time, before the loan, you should also check my credit report with the credit management department to confirm whether you can apply for a personal housing commercial loan. This condition is the basis of individual housing loan. If a person has a bad credit record, such as overdue payment of credit card arrears, the bad record exceeds the relevant regulations of the bank, and no matter what other conditions, he can't get a loan.

After making some preparations for the above two personal housing commercial loans informed by the online lending center, we only need to submit our personal data to the bank for approval. Preparing relevant materials can also save us some time and avoid unnecessary time loss.