What information should banks check for commercial loans to buy a house?
1, personal credit record
Personal credit records have also become personal credit reports. Personal credit report is an important basis for the bank to judge your repayment ability when you apply for a loan, and it is also one of the essential materials for applying for a loan. A good personal credit report can help you get a bank loan smoothly.
Personal credit report covers a lot of contents. Personal basic information includes name, ID number, home address, work unit and other basic information to prove your identity. In addition, personal financial transaction information also includes personal payment information, such as mortgage, car loan and student loan. There is also credit card information (credit limit, repayment record, etc.). ) helping others to guarantee but others fail to repay the loan on time; Finally, the inquiry record will reflect the inquiry times of credit information.
2.* * * Credit of the borrower
If you don't apply for a loan to buy a house separately, it is common for you to have the same lender. For example, a family often applies for loans in the name of husband and wife. At this time, we should consider not only the credit status of the main lender, but also the credit status of the sub-lender. Therefore, before applying for a loan, it is best to bring the ID cards of both husband and wife and go to the credit information department of the local central bank to check the credit status.
3. Proof of income
The income certificate issued by a regular company is a kind of economic income certificate that China citizens need in their daily life and business activities. Generally, when handling visas, bank loans, credit cards, etc., the parties will be required to issue proof of economic income. It is one of the main reference contents when handling house mortgage, which directly reflects the repayment ability of the handler.
Pay attention to the unified format when issuing income certificates. The seal on the income certificate must be stamped with "fresh seal", that is, the copy of the income certificate is invalid, and the seal must be the financial seal or official seal of the unit. Proof of income not only refers to personal salary, generally speaking, annual income should be the sum of basic salary, bonus and welfare within one year, and personal income tax and insurance premium should be deducted. Banks usually require borrowers to provide monthly income that is more than twice the sum of their monthly repayments and other liabilities.
4. River bank flow
Bank running water can't be faked. When a lender makes a loan, the bank can judge whether your personal income is stable and whether you have the ability to repay. For ordinary wage earners, when approving loan business, banks will mainly look at your salary flow, monthly account balance and daily average account balance, and measure whether you have enough repayment ability through this series of information.