I believe everyone is no stranger to buying a house with a loan. However, when buying a house with a loan, many people will lead to the actual mortgage amount being lower than their expected amount for various reasons. What should we do at this time? Don't worry, come with me to learn about what to do with the low loan amount.

I believe you are no strangers to buying a house with a loan. However, when buying a house with a loan, many people will lead to the actual mortgage amount being lower than their expected amount for various reasons. What should we do at this time? Don't worry, come with me to learn about what to do with the low loan amount.

1. what should I do if the loan amount is low?

1. Apply for portfolio loan

The loan amount is too low, so you can apply for portfolio loan. If you buy a 2 million house, the amount you can apply for the provident fund is 1.2 million. Excluding the down payment of 6,, there is a difference of 2,, and this 2, can apply for a portfolio loan from the bank. It should be noted that not all banks accept portfolio loans, and portfolio loans involve many institutions such as provident fund centers and banks, and the approval period is more than 3 months. Therefore, buyers who are anxious to pay the house price should consider the time problem.

2. apply for a commercial loan and offset the mortgage with the balance of the provident fund

if the loan amount is too low, apply for a commercial loan and offset the mortgage with the balance of the provident fund. Since the amount of provident fund loans is not enough, why not give up provident fund loans and apply for commercial loans directly? In the case of commercial loans, the borrower can usually lend money in about 2 weeks after submitting the loan application. As long as it meets the relevant conditions of the bank, it is generally possible to borrow the expected amount.

Moreover, after successfully applying for a commercial loan, you can apply to withdraw the provident fund to repay the monthly loan, but in this case, the interest will be higher than that of a simple provident fund loan. If the loan period is longer, the buyers need to bear more economic pressure, which needs attention.

3. Proof of fixed assets, income and year-end bonus

Proof of fixed assets, income and year-end bonus will help to increase the loan amount. Taking out the income certificate, real estate license and car book issued by the company, showing your asset strength and providing additional income such as year-end bonus certificate will help you increase the loan amount.

4, can reduce the debt ratio

If you have a lot of personal debts, such as mortgage and car loan, and there is a record of not paying back on time, then the lending institution will think that you have no ability to continue to repay the loan, so what you have to do at this time is to repay the loan on time, and prove that you have the ability to continue to repay the loan and maintain a good credit record.

5. Keep a good credit record

No matter what loan you apply for, having a good credit record is an important factor in applying for a loan. For a person with a bad credit record, even if other conditions meet the requirements, banks and lending institutions will not lend you money. Therefore, if you have the habit of spending money by credit card every month, you must remember to repay on time and avoid bad credit records.

second, what factors affect the loan amount?

1. Lender's age

Banks require borrowers to be 18-65 years old when approving loans, among which 25-4 years old is a popular group, followed by 18-25 years old and 4-5 years old. As for people aged 5-65, it is generally not easy to apply for a mortgage.

2. The repayment ability of the lender

The repayment ability of the lender refers to the applicant's monthly income, which can most intuitively reflect the borrower's repayment ability, and the loan amount generally does not exceed 5% of the monthly income. Namely: monthly income ≥ monthly mortgage payment X2.

3. Personal credit information

It is easier to obtain preferential interest rates and loans if the credit information is good. One of the important criteria for banks to consider borrowers is personal credit information. Most banks will check the borrower's credit card credit records in two years and the loan credit records in five years, but some banks will look at the credit records in a longer period, and the requirements between banks are different. If it is three times in a row and six times in total, it will be a serious credit failure, which may cause banks to refuse loans.

4. Age of the house

Examining the age of the house under loan is an aspect that must be examined before the bank loans. Usually, the requirement is 2-25 years, the looser one is 3 years, and the stricter one is only 15 or 1 years. Therefore, most of the older second-hand housing loans will be reduced or even refused. The shorter the house age, the easier it is to get a loan, and the higher the amount will be. The more down payment, the easier it is to approve the loan? Don't think too simple

Car loans and mortgage loans have a long cycle and a large amount. In order to confirm that the lender has sufficient repayment ability, the bank will let the lender pay the down payment first and then lend. Generally, the down payment ratio should not be less than 3%, but some people will pay a higher down payment. So, the more down payment, the easier it is to approve the loan? Here is a brief introduction for everyone.

the more down payment, the easier it is to approve the loan? The amount of down payment directly affects the amount of loans. Loans with more down payment will be less, while loans with lower down payment will be higher. For banks, the larger the loan amount, the higher the corresponding risk, because the lender has more monthly payments, and vice versa, the loan amount is small, the risk is low and the lender's repayment pressure is small. So to a certain extent, the more down payment, the easier the loan will be. For example, a car with 1, yuan has a minimum down payment of 3% and a loan period of 3 years. A lender only pays 3% down payment and loans 7, yuan, each of which has to pay back the principal. The other pays 5% down payment, loans 5, yuan, and repays the principal yuan every month. If banks consider risks, they will definitely be more willing to grant loans to the second lender. Of course, the success of the loan depends not only on the down payment, but also on the lender's ability to repay, and it is best to have good personal credit and be able to prepare all the required information. If a married person applies for a mortgage or car loan, it is not just a matter for one person, but also the credit and income of his spouse. After all, it involves a common property. The above is the introduction of "the more down payment, the easier it is to approve the loan". In short, the more down payment, the less risk, which can improve the loan pass rate, but only if the lender has stable repayment ability, good personal credit and meets the corresponding loan conditions. Is the bank's small loan easy to approve? Choose these low thresholds!

At present, many banks have micro-credit loans, and borrowers can easily apply for loans with their personal data. Except for state-owned commercial banks, many city commercial banks have low product thresholds, which are very easy to approve and have high quotas. Today, we will take stock of some common ones, and those who need loans can learn more about them.

1. Bohai Bank-Consumer Loan The headquarters of Bohai Bank is in Tianjin, and now it has opened branches in major cities. This consumer loan is specially suitable for ordinary office workers, and it is unsecured and unsecured. The loan amount is between 1, and 5,, and the bank gives the amount according to the borrower's situation. The loan period is from 6 months to 6 months, which is a consumer loan. The funds can only be used for marriage, tourism, decoration, education, shopping and other purposes.

2. Zheshang Bank-Zhejiang Credit applies for a small loan with personal credit, with a maximum amount of 1 million yuan, which can be repaid with loans of 3, yuan or less. In addition to credit, it can also provide assets for mortgage guarantee, and the amount will be much higher. The threshold for applying for a loan is low, the payment is convenient and the repayment method is flexible.

3. Jiangsu Bank can apply online for the whole process of E-finance, with the maximum loan amount of 3, yuan, and the approval speed is very fast, which can quickly solve the problem of users' funds. You can apply online in mobile banking, operate repayment online, and support various repayment methods such as paying interest on a monthly basis and repaying the principal at maturity.

4. Hangzhou Bank-Rooster Loan is a large consumer loan with a maximum amount of 3, yuan and a maximum term of 3 years. The examination and approval speed is very fast, and the payment can be made in a few minutes. It supports the repayment with the loan, the daily interest, and the fastest loan on the same day. The loan approval amount is lower than the lower limit

The reason why many friends are refused loans is that the loan approval amount is lower than the lower limit. It is estimated that many people don't understand the meaning, so let me tell you today. Lending institutions have their own loan quotas. The loan quotas of banks are generally tens of thousands, while many small loan apps range from several hundred to tens of thousands. If the loan applicant's own quota is lower than the minimum loan quota of lending institutions, it will be rejected. The reason for rejection is that the loan approval amount is lower than the lower limit. When the loan approval amount is lower than the lower limit, you can only change the loan from one lending institution, and the changed lending institution must be able to support the applied loan amount. There is also to increase the amount of their loans. Generally speaking, however, it is rare that the loan amount is lower than the lower limit. Lenders will make a reasonable positioning for their loan APPlication in advance. If it is a small loan, they will apply for a loan on the small loan app. If the amount is large, they will choose a bank loan for more favorable interest. In fact, it is more common that the loan approval amount is lower than the application amount. Most of this situation is that the applicant's own credit qualification is not enough, which makes the loan application amount fail and only a smaller loan amount can be obtained. At this time, the loan applicant should choose to provide more certificates and want the lending institution to ensure that their credit qualifications are good, so as to increase the loan amount.