Users must have good credit information when applying for mortgage loans. In order to avoid overdue records during mortgage application, users are usually advised to settle existing liabilities before applying for mortgage loan.
Will buying a house loan depend on salary?
When a customer applies for a mortgage, the handling bank does ask the customer about his salary and income. Because banks need to know the economic level of customers through their monthly salary income and confirm whether they have enough repayment ability. Banks generally have regulations that the monthly income must be more than twice the monthly payment.
For example, a customer's monthly salary income is 6000 yuan, then the monthly mortgage payment he applies for is generally up to 3000 yuan (subject to the approval result of the bank).
Of course, to prove your repayment ability, you don't just have to provide a payroll. If the customer has other property or income sources, you can also provide relevant supporting materials, such as deposit certificate, car driving license, etc. Also, if the payroll provided by individuals is not enough, married people can also submit their spouses' payroll together.
The richer the evidence of financial income provided by customers, the more favorable it is for mortgage approval. Of course, the most important thing is that customers themselves should maintain good credit.
What are the conditions for buying a house loan?
: 1, with valid ID card and proof of marital status;
2. Good credit record and willingness to repay;
3. Stable income;
4, the purchase of commercial housing sales contract or letter of intent;
5. Have the ability to pay the down payment of the purchased house;
6. Open a personal settlement account in a bank with effective guarantee. The loan amount is the personal housing loan amount issued by the bank, which is not higher than 80% of the value of the house to be purchased or the actual total purchase cost assessed by the real estate appraisal agency (whichever is lower).
legal ground
Article 42 of the Commercial Bank Law, the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.