Why buy a 5-year financial management mortgage?
1, bundled consumption
In fact, in the process of applying for a mortgage, the applicant does not need to buy a bank wealth management product. As long as the applicant meets the basic loan conditions of the bank, the personal qualification can be passed. But after all, the monthly payment of banks is limited, and the state has always attached great importance to the bad debt rate, so banks will screen better customers among those who meet the conditions for applying for loans.
Moreover, major banks and financial platforms now have many financial products with such a large market share. In order to seize the market, increase profits and screen high-quality customers, banks will let borrowers buy wealth management products before applying for mortgages. Generally speaking, it belongs to a kind of bundled consumption.
2. Improve the qualifications of borrowers.
There are some borrowers who have no bad records on credit information, but their income is not optimistic. If you want to apply for a mortgage, the risk of overdue is greater, and banks are reluctant to apply for a loan. At this time, borrowers can buy some bank wealth management products, on the one hand, to prove their economic strength, on the other hand, to increase economic exchanges with banks.
Can I cancel financing when buying a mortgage?
It can be cancelled, and the borrower can wait until the loan is released before applying for redemption. After redemption, it will not have any adverse impact on personal credit and mortgage.
The above is the relevant content sharing of "mortgage needs to buy 5 years of financial management", I hope it will help everyone!