When the materials submitted by the lender are complete and meet the loan conditions of the bank, it is generally easier to pass the loan approval of the bank. However, if the lender has insufficient repayment ability or a bad credit record, the bank may refuse to apply for a mortgage. Therefore, I suggest you consult the relevant bank staff in advance before buying a house.

Second, who is easy to be rejected when applying for a mortgage?

1. The bank will take the lender's job stability as the reference standard when approving the mortgage. If the lender frequently changes jobs, the bank will question the lender's repayment ability, so it is easy to be rejected when applying for a mortgage. The occupations that are easy to pass the loan approval are lawyers, doctors, teachers and medical personnel.

2. Credit records are an important criterion for banks to approve the qualifications of lenders. If the lender has a bad credit record, such as three consecutive credit card expectations, this is a serious overdue. Generally, banks will refuse loans, and even banks with strict audit are likely to be refused loans, even if the overdue amount is small.

3. According to the relevant laws and regulations, only citizens who have reached the age of 18 and have full capacity for civil conduct can apply for loans from banks, that is, minors cannot apply for loans from banks, and lenders who are too old can easily be refused loans by banks. Generally, female lenders are required to be under 60 years old and male lenders are required to be under 65 years old.