Immediate financial loans are reliable. As an online loan platform, MaMa Finance has already been recognized by the China Banking Regulatory Commission. The safety and reliability of Ma Ma Financial consumer loan platform are also very guaranteed.
If a consumer is overdue when using Immediate Finance, Immediate Financial Lenders will also upload the relevant information to form a credit record, thus affecting personal credit. In addition, in terms of credit reporting, MaMa Finance, as a formal financial institution, regards loan thresholds, application conditions and audit credit reporting as the most basic aspects of review. Therefore, when most borrowers use Immediate Financial loans, the interest rates are relatively high. Although Immediate Financial is an independent risk control product, the application review is relatively strict and the approval rate is low.
Several common situations in which banks deny mortgage loans:
1. Poor credit record leads to failure in loan approval: Nowadays, most people have multiple credit cards at the same time, and there are many "card owners" Everyone has a history of late repayments. After enjoying the convenience of credit cards, they don’t care about credit record problems. In recent years, there have been many cases where banks have refused to lend due to overdue credit cards. If a credit card is overdue for a total of 6 times for 3 consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, you should pay attention to credit problems, repay your loans in a timely manner, and do not become a credit blacklist.
2. Small loans: With the development of the Internet and big data, many people around you have begun to borrow money online. Some are turning around funds for business, and some are using loans to support loans. Although these people have good credit scores, when you apply for a home mortgage loan at a bank, the bank will require you to pay off the small loan in advance. Therefore, before buying a house, you should promptly and accurately evaluate your debt ratio, unless your income can fully support microfinance and housing loans. But according to experience, when actually applying for a loan, 95% of banks will require you to repay the small loan. After your mortgage is approved, you can apply for a small loan. Therefore, you must ask relevant questions before buying a house, because there are many cases where small loans cannot be paid and the house is checked out. (The above refers to loans on credit).
3. Consumer loans: refers to some small loans, such as computer installments, mobile phone installments, etc. No matter the amount, they must be paid off before they can apply for a mortgage, especially for single customers.
4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a home loan. If you already have a car loan, it will be difficult to apply for a home loan.
5. Whether there is low-rent affordable housing or special welfare housing for a certain period of time (regional policy): Before purchasing a house, you should determine whether there is low-rent affordable housing in the name of family members. Before buying a house, ask your family if there is such a house. If this is the case, you'd better go to the housing authority in advance to inquire whether you need to cancel or whether it can be transferred. Then decide whether to buy a house. Don’t be in a dilemma after paying money but not being able to check out.