It's easy to understand. You just left your job or just joined the company, and you haven't even passed the probation period. Who knows if you will be fired in three months? Banks are unwilling to pay for the hidden risks of your work, and will naturally let you go when reviewing the information.
For banks and other financial institutions, employees who leave or resign are unstable, so their ability to repay loans will be questioned. Generally speaking, you will be required to work in your current unit for at least 6 months, and only a few small loan companies will relax this condition. 2. It is less likely that when the job-hopping will affect the loan.
If you need a loan or apply for a credit card, Bao Cai Bian Xiao suggested that you should not leave your job easily at this time. With the existing length of service as a springboard, it is easier for you to get a loan, especially if you have a mortgage demand in the near future, you must consider whether to leave your job; Secondly, if you have left your job or changed jobs, the demand for loans is not so urgent. You can apply for a loan after working for 6 months or saving enough cash for 6 months. This can avoid the threshold of working time limit.
Changing jobs will affect the loan. If it is in the process of application, it is recommended not to jump ship for the time being.
Although bank mortgage will depend on your continuous payment of provident fund, income flow, work certificate and so on. After a period of examination and approval, most of the audit has ended, and the provident fund was still paid normally in the month when you quit your job, so the impact was not particularly great. It usually takes about 30 days. Different banks have different regulations and approval processes, so the lending speed will be different. The specific circumstances require the lender to implement in accordance with the relevant regulations of the bank. Under normal circumstances, it usually takes a borrower half a month to apply for a loan when the relevant loan conditions are met and the procedures are complete. However, because it is more troublesome to handle loans, such as mortgages, and the property needs to be mortgaged to the bank, it is normal to handle it in one month.