Domestic house prices are rising gradually. Although people's income is also rising, buying a house is still not a simple matter. Most people can only buy a house by applying for a mortgage. There is a certain threshold for bank mortgage. If you are not qualified, you may be rejected. What is the most important condition for applying for a mortgage?

I. Credit investigation

Credit records are called economic identity cards, and our credit records, credit card and loan liabilities, home address, and even mobile phone numbers and water and electricity arrears records will be reflected in the credit records. When banks review mortgages, they will focus on the credit status of buyers. If the credit card or other loan is overdue for three consecutive times or six times in total, this situation will basically be refused.

In short, everyone should pay attention to the credit problem, and keep good credit information whether considering buying a house or not, unless they will no longer deal with banks and financial institutions in the future.

Second, age.

Although they are eligible to apply for mortgage loans as long as they are adults, most young buyers will be refused loans or reduced the amount of loans, because most people in this age group have unstable incomes and need their parents to help them repay their mortgages. Therefore, it is generally difficult for young buyers to obtain loans, mainly young people in 18-2 1, and people aged 30-40 are more favored by banks.

Third, banks are moving.

Banks should not only check the credit records of buyers, but also require buyers to provide proof of bank flow and income for half a year or one year. Banks generally require buyers to earn twice or 2.2 times the monthly income. For example, if the monthly loan amount the buyer wants is 5000 yuan, then the monthly income of the buyer needs to reach at least 10000 yuan or 1 1000 yuan.