In short, banks are companies and enterprises are not charitable organizations. Naturally, it is a profit-oriented service project. They also look at people with colored glasses. If your position is good enough, you are an enterprise manager, an employee of a world-class enterprise, or a civil servant of an institution, and your income is high enough and stable, they will naturally think that you have more repayment ability and give you a mortgage loan with low interest rate and high amount. On the contrary, if your qualification certificate is not so good, the loan company is likely to reduce your loan amount or even stop lending.

Second, the bank has insufficient water.

If you often have a lot of money in and out of your bank account, the bank will naturally think that you have strong economic ability and will allow you to obtain high loans. On the other hand, you usually have little water in the bank and your account has not been touched. Even if the bank agrees to your Beijing house mortgage loan request, it will add a discount.

Third, high debt.

The debt is high, and the loan you applied for is too late to be repaid, so you have enough ability to repay the bank loan. So even if you have a house as collateral, you won't be given a high loan.

Fourth, the real estate appraisal value used for mortgage is too low.

As we all know, the appraised value of the house will determine the mortgage loan amount of the house, and the appraised value of the house lies in the various characteristics of the mortgaged house, so if you want high-value assets, you need to take the one with the greatest use value as collateral.

There is no other loan guarantee except house mortgage.

If you can provide other high-value property, or personal social security, insurance policy, personal provident fund or other assets other than mortgaged property, the bank will adjust your original quota appropriately, otherwise it will naturally be less.

How to apply for a mortgage loan for a full house? 1. For the full house mortgage loan, the borrower must fill in the Residential Mortgage Application Report and submit the following documents to the bank before applying for the mortgage loan: the borrower's personal income certificate of fixed economic development issued by the borrower's unit. The enterprise business license of the loan guarantor and its legal person identity certificate and other bank credit documents.

2. Legal and valid identity documents of the borrower. The first step of mortgage loan for all eligible houses.

3. The full house mortgage loan shall be subject to the bank loan procedure, and the bank shall check the borrower's loan application, house purchase contract, agreement and related materials. The borrower shall submit the ownership certificate of the collateral and the insurance policy or commercial paper to the bank for safekeeping. The loan guarantors of both borrowers and borrowers sign the residential mortgage loan contract, and then do justice.

4. According to the steps of real estate mortgage loan, after the loan contract is signed and fair, the bank's savings and loans to the borrower are transferred to the house selling enterprise or building enterprise specified in the house purchase contract or agreement.

5. There are restrictions on applying for loans, reaching the age of 65,438+08, general partners who must have full civil capacity for mortgage loans, unstable professional income, poor credit reporting, free repayment ability and other personal credit reporting restrictions. Many people expect to get a high loan, but you must have a clear income to match it. If there is a bad credit record in personal credit information, there is also the risk of being stopped.

6. The full house mortgage loan must have the real estate license and the identity card of the property owner and spouse. Household registration book of the property owner and spouse. Marriage certificate of the obligee (marriage certificate or single certificate issued by the civil affairs department).

7. Full mortgage loan requires proof of personal income. If the owner of the title certificate has minor children, please issue a birth certificate. If the property has a bank loan, please give the bank statement of the first phase after the original loan contract.

8. In order to improve the loan success rate, please give as many other property certificates as possible (such as other property certificates, personal stocks, stock funds, cash bank passbook, motor vehicle driving license, etc.). ).