And if the customer is not at ease, although there is no prohibition, it is best for the customer to wait until the mortgage is successfully approved before swiping the credit card. In the same way, customers should try not to apply for other loans before the mortgage loan is successfully approved. If they borrow frequently, it will also affect the mortgage approval. Banks are likely to suspect that customers have unstable economic life and insufficient repayment ability because of long-term borrowing.
Of course, we also need to pay attention to the rational consumption of credit cards after the mortgage is approved. After all, mortgage is a heavy burden. If you swipe your credit card blindly, it will exceed your personal repayment ability and eventually lead to poor repayment.
What information does the mortgage approval have?
First, check whether there is any problem with the borrower's personal information.
Under normal circumstances, when a bank approves a mortgage, it will first look at your personal basic information, such as your ID card information and home address information. If these materials are not perfect, they will definitely be rejected by the bank.
In addition, the bank will also check the borrower's personal credit report. If the personal credit report shows that the repayment has been overdue for three consecutive times or six times in the past two years, then the borrower's application for housing loan is likely to be rejected. Therefore, everyone should maintain their own credit information and let themselves have a better credit information.
Second, check whether the borrower's occupation and income are stable.
If the borrower does not have a stable job and income, then the bank will think that the borrower has no ability to repay the loan, so the bank will directly refuse the loan. Therefore, before applying for a mortgage, the borrower had better not change jobs frequently.
Third, check whether the borrower deposits in the loan bank.
Now, most buyers will choose mortgage loans to buy a house. For insurance reasons, banks will require borrowers to put a certain amount of deposits in their own banks. The deposit amount must be greater than the down payment. If you can't even get the down payment, the bank will definitely not lend you money.
Fourth, check whether the borrower's house purchase contract is true.
In order to prevent the borrower from doing other things with the housing loan, the bank will require the buyers to bring the purchase contract, and will review the authenticity of the purchase contract before passing the mortgage approval procedures.
Fifth, check the age of the house that the borrower wants to buy.
If you buy a second-hand house, the bank will check the age of the loan. Usually, the requirement is 20 to 25 years, the looser one will require 30 years, and the stricter one is only 15 or 10 years. Older second-hand housing loans may be reduced, and strict banks will simply not lend. It can be said that the shorter the house age, the easier it is to get a loan, and the amount is higher than the house age.
Sixth, check the marital status of the borrower.
To sum up, both the repayment ability and the credit report are based on the family. For married people, banks should review the housing situation, income and credit information of both husband and wife. When signing the mortgage, both husband and wife are required to be present and provide the original marriage certificate and household registration book; Divorce requires a divorce certificate. When determining the main lender, it is suggested to choose the party with higher income and better credit.