1. Examining the applicant mainly depends on whether the applicant has the economic repayment ability.
(1) Check the applicant's ID card and household registration book. In case of loans involving immediate family members, the bank should also check the ID card and household registration book of their relatives; ② If the spouse does not participate in the loan in the same account, a marriage certificate is required; (3) If the applicant requests a provident fund loan, it shall provide a certificate of timely deposit of the provident fund; (4) Banks sometimes consider working years when determining the loan term. If there are still five years before the statutory retirement age, the period of applying for provident fund loans is 10 years, and the bank is unlikely to approve it; (5) Investigation on the applicant, including the purchase contract or agreement signed with the developer, and there must be proof of purchase payment. It is also necessary to investigate how many suites there are under the name of the purchaser and whether there have been mortgage records.
2. It is also important to investigate the developers, including the purchase contract or agreement signed between the developers and the loan applicants. Weak strength, chaotic management and poor reputation of developers will bring troubles and risks to property buyers and bank housing loans.
3. What kind of people are easy to be refused a visa when applying for a mortgage?
(1)1minors under the age of 8
In real life, more and more parents want to buy real estate in the name of minor children. First, starting from taking care of children, consider the future household registration of children; Second, parents are not in harmony, leaving a house to protect their children; Third, I am worried about levying inheritance tax and transferring property to my children's names in order to avoid tax; Moreover, many parents buy houses in the name of their children in order to avoid debts or hide property they don't want to expose.
Judging from the loan conditions of banks, borrowers need to have a certain degree certificate, a relatively stable occupation and a high economic income when applying for loans from banks. Obviously, minors under the age of 18 do not meet the basic loan conditions of the bank and cannot apply for loans directly from the bank in their own name.
(2) Unqualified over-age population
When applying for individual housing loans, male borrowers are not over 65 years old and female borrowers are not over 60 years old. In order to reduce the non-performing loan ratio and bank loan losses, many banks limit the loan population to a reasonable range, which is also a way for banks to "protect themselves".
(3) Those with poor personal credit qualifications.
With the improvement of the central bank's personal credit database, any bank in China can check the personal information of borrowers at any time, whether there are mortgage, car loan, payment and repayment records. , even the borrower's work unit, contact information, identity documents, etc. It's all clear at a glance. According to the borrower's information in the credit database, the bank determines whether it is qualified to apply for a loan.
Before we buy a house with a loan, we need to know the relevant purchase policies, loan conditions and relevant materials that need to be prepared in order to handle the loan smoothly. At the same time, pay attention to check your credit history before buying a house to avoid paying the down payment or paying the down payment, and then the loan will not be processed.
The general bank will let me authorize the bank to agree to inquire about my credit information. This kind of inquiry is different from the inquiry that I went to the credit reporting agency or the online inquiry agency. i query's inquiry is a personal inquiry displayed on the credit reporting. Therefore, the bank's judgment on personal credit information is still based on institutional inquiry.