What information should the bank review before lending

At present, the lowest cost method to apply for a loan is bank loan, which is welcomed by borrowers because of its high amount, low interest rate, safety and reliability. The bank loan review is very strict, so what information should the bank review before lending?

1. Personal credit report: Credit report is very important to everyone. As long as the credit report is good and has advantages in many aspects, banks will ask for it when submitting loan applications to banks. If the credit report has overdue records, it is easy to refuse loans, commonly known as "blacklist". Therefore, we should maintain good credit at ordinary times. Fresh graduates can try to apply for a credit card. Repayment on time can accumulate a good record and help you apply for a loan in the future.

2. proof of income: proof of income is an important review material, because it can guarantee the borrower's repayment ability. The loan amount audited by the bank is also determined according to the income certificate and the bank's running water. Generally speaking, if there are no other liabilities, the next loan amount is about half of the monthly income, which can be issued in the company and stamped with the official seal.

3. Daily account: The bank will review the daily account of the bank. Many problems can be seen from the transfer records, collection records and expenditure records. If the expenditure is far greater than the income, it means that the consumption power is high. If there has been no income, it means that the financial situation may be very bad, and it will be analyzed in combination with other application materials.

4. Personal information: Generally speaking, it is difficult for college graduates and retirees to apply for large loans. These people belong to the category with poor repayment ability, but they can take other ways to borrow money. Married people want to be more stable, so it is easier for banks to lend.

The above is an introduction about what information the bank will review before lending. If your loan fails, you should pay attention to whether the above information is missing.

what are the main aspects of bank loan audit? Pay attention to these!

Nowadays, when many people encounter financial problems, they will seek the help of the bank as soon as possible. After all, the bank loan is a good choice because of its high amount, quick payment and low interest. However, the bank audit is strict, and it may be rejected if you are not careful. So what are the main aspects of bank loan audit? Mainly the following.

1. Check personal data

The most important thing in loan review is to compare the identity information of the borrower to prevent someone from stealing the ID card loan. The bank will check your name, date of birth, mobile phone number, education background, residence address, work unit, marital status and basic information of your spouse.

2. Credit transaction

This includes your credit records in bank financial institutions, including loans, credit card usage, repayment and so on. These records are very important, and they are the key contents of verification. Information such as loan amount, lending institution, repayment record, overdue situation and so on will affect your success rate in applying for loans. Never be overdue, otherwise it may be rejected directly.

Three consecutive months' overdue repayment means three consecutive months, while "six consecutive months' overdue repayment" means six times. If this happens, it is extremely difficult to apply for a credit loan, so you can only try to apply for a mortgage, and the overdue records should be repaired in time, otherwise it will cause a lot of trouble.

3. Debit card

Credit card is a very important financial tool. Many people will handle several different credit cards for convenience, and even cash out, which will also lead to some sleep card. These habits are very bad, which will not only lead to higher debt ratio, but also be easily controlled by banks. Everyone should learn to control the number and quota of credit cards reasonably.

what does the bank mainly review when approving loans

1. Credit report: Credit report is the embodiment of the borrower's personal credit. A good credit report indicates that the borrower has good loan and repayment habits and is more likely to repay the mortgage on time in the future. Credit reports are usually based on families, and banks often check the credit information of both husband and wife.

2. Existing housing conditions: At present, many cities in China implement the policy of restricting purchases and loans, so banks will review the existing housing conditions of applicants. The number of existing houses in the borrower's name and the repayment situation will directly affect the down payment ratio and interest rate of loans for buying houses in the future.

3. proof of income and running water in the bank: the income and running water of the borrower are important items in the bank review, because these two items directly reflect their repayment ability. Generally speaking, the bank's requirement for repayment ability is that the monthly income is twice the monthly mortgage payment. If the borrower is repaying other loans, the income is required to be twice the total monthly mortgage payment of the existing loans. The bank flow usually needs to be provided within 6 months. It is recommended that buyers use bank cards with more flow transactions when applying for loans.

what are the contents of loan review and loan review? This is the end of our introduction. I wonder if you found the information you need from it?