How to check whether you can get a mortgage loanHow to check whether you can get a mortgage loan

1. If you want to know whether you can apply for a mortgage loan, you can consult the bank staff, and the bank staff will need to make a judgment based on the information you provide. Because no one can judge whether you can apply for a mortgage just based on you.

2. You are required to provide information and your qualifications must be reviewed. The main purpose is to determine your inability to repay and to examine your credit problems. It depends on whether you have any debts or credit problems. If the problem is not major, the bank will consider accepting your loan application.

3. However, if there are stains on your credit report, the bank may not accept it, or there may be other conditions before the application can be successfully processed.

4. How to check your own credit report: Nowadays, when banks approve loans, they are still very strict about personal credit reports. For individuals, we can do it in two ways. Query.

5. Through on-site processing, you can directly go to the People's Bank of China to inquire. Bring your ID card, and the staff will print out your credit report. However, inquiries should not be too frequent, because the bank The number of times will be limited.

6. In addition, online inquiries are also feasible. You need to log in to the official website of the People's Bank of China and pass identity verification to submit an inquiry application. However, you need to register first, and you will receive a text message notification about the next day.

7. Some people also check credit information through mobile APPs. According to documents released by the central bank, it is now expressly prohibited to check credit information through APPs because it will reveal personal privacy and encounter fraud problems. For the sake of insurance , it is more reliable to check through the official website.