How to pass the mortgage approval

The total price of a house is high, and few people buy it in full. Most people buy houses through bank mortgage loans. However, not everyone can be recognized by the bank. What are the restrictions? How can I get a bank loan smoothly? Let Shell Jinan Station tell you.

1. Meet the loan conditions.

no matter whether you buy a new commercial house or a second-hand house, you need to meet the approval conditions of the bank as long as you apply for a commercial loan from the bank.

the bank will mainly review the lender's credit history, income certificate, bank flow, existing housing status, marital status and other hard standards. The lender's credit record is the label of his personal credit. The bank attaches great importance to the applicant's credit record. Usually, the bank will review the lender's loan records within five years and credit card records within two years. Strictly speaking, they will look at credit records over a longer period of time. It should be noted that three consecutive overdue reports or six cumulative reports are serious bad credit reports and will be rejected by banks.

Therefore, if you want to get a bank loan smoothly, you must pay attention to maintaining good personal credit in your daily work and life.

2. Good repayment ability

The borrower's income and bank flow are also the key items of bank review, and the applicant's monthly income is the primary indicator to prove his repayment ability. Generally speaking, banks will set up a warning line to repay loans, and the monthly payment will not exceed 5% of their income. Running water is a measure for banks to judge borrowers' consumption habits. Banks generally audit borrowers for more than half a year.

as for the existing housing situation of the lender's family, it is mainly to determine the loan down payment and loan interest rate. If you buy a second suite, the loan interest rate and down payment ratio will be higher than the first suite, and the cost of buying a house will be relatively higher.

Therefore, you must not resign before handling the loan, otherwise you will not be able to provide proof of income. At the same time, if the bank's running water is not enough, pay attention to deposit more money into your bank card every month to ensure that the bank's running water can meet the loan requirements.

3. Relevant materials are complete

Some buyers, especially those who buy a house for the first time, can't get a loan smoothly because they don't understand the requirements and review steps of face-to-face mortgage, or the preparation materials don't meet the requirements.

Therefore, before making a loan, you must know the information needed for the loan in advance and prepare all the information.

Credit history, income status and housing status are all inseparable from the requirement of "family as a unit", so marital status is also the focus of investigation. Married people or married buyers need to provide marriage certificate or divorce certificate plus divorce agreement or court judgment. Taking the family as a unit, the bank will also examine the property of minor children, and whether the address of the house in the divorce agreement is consistent with the address of the actual loan house where the buyer has divorced. Understanding these necessary examination items is very important for banks to issue loans. Related questions and answers: What are the conditions for mortgage loan

1. When paying the down payment or applying, the buyer has its own funds not less than 2% of the purchase price;

2. A natural person who has reached the age of 18 and has full capacity for civil conduct and full capacity for civil liability;

3. Have a stable occupation, the ability to repay the principal and interest of the loan and good credit, and have a permanent residence in the town or a valid residence status;

4. The purchased house is not within the scope of the demolition announcement, and the property right of the purchased second-hand house is clear, which meets the prescribed conditions for entering the second-hand house market;

5. Having a contract or agreement for the purchase of housing and other conditions required by the lending bank. Related questions and answers: How can I get a loan from the bank smoothly?

hello, ma penglong, a financial planner, said to answer your question. if you want to get a loan from a bank smoothly, you must meet three elements, and then teacher ma penglong will answer them for you one by one.

First of all, the first point is to have a good personal credit report of the central bank. This is the basis and premise of your loan from the bank, and it is also your economic ID card for dealing with any financial institution. It is very important for each of us. We should take care of our credit report as much as we care for our lives, and protect our credit report as we care for our eyes. So what is a good personal credit report? First of all, the most important thing is not to be overdue! Can't be overdue! Can't be overdue! Say the important thing three times! Secondly, the debt should not be too high. The requirements are different according to the type of your loan, but it is generally best not to exceed 5%. Finally, there should not be too many inquiry records, and there should be no white households. Some people say that they have a good credit report, and as a result, they typed out a credit report and found that there is no record. This is also a bad loan.

Secondly, you must have a stable job, in other words, you must have proof of repayment ability, in other words, you must have a long-term stable and effective running water. How to understand this sentence? First of all, it is long-term. No matter what loan you make, does the bank have to let you print the bank flow for three to six months, at least three months? Secondly, the amount is stable. How do you understand it? The first is the stability of the amount. For example, your income last month was 3W, and this month it will become 6, and next month it will be 1. This kind of running water is obviously not good. The second is the stability of time. For example, your punch-in salary is the 5th in the first month, the 2th in the second month, and the 15th in the third month. This kind of running water is obviously not good. Finally, it is effective. What does effective mean? Some people take out loans, and three months' running water can print many pages, but it's all waste water, which doesn't help the loan financing. So what kind of running water is effective? There is only one measure, that is, interest settlement. The more interest settlement, the more effective and good your running water is, and the more you can get a large amount of low-interest loans from the bank.

The last item is assets. This item is a bonus item, and it is not necessary, but it is best to have some. Not only can there be many kinds of loans (mortgage loans), but also the amount and pass rate of loans can be greatly increased under the same circumstances. Therefore, there is still a big difference between people with assets and those without assets in the eyes of banks. Assets generally include houses, cars, certificates of deposit, securities, company equity and so on.

to sum up, the three elements that can successfully borrow money from the bank are a good personal credit report, a long-term effective and stable flow, and high-quality assets. I'm Ma Penglong, and I share all kinds of knowledge about financial business, credit cards, credit financing and so on with you every day. Welcome to pay attention to @ Ma Penglong, Financial Business, and keep learning! If you have different opinions, please leave a message in the comment area or discuss and exchange privately.