Good repayment record: the buyer is required to have good credit, and there can be no overdue record of "three consecutive times and six times" in the past two years, otherwise the mortgage will be refused.
Low debt ratio: Low debt ratio (debt ratio = used credit line/total credit line × 100%) means that users have strong risk tolerance and relatively low possibility of overdue, thus improving the success rate of mortgage approval.
Don't have too many hard query records: hard query records refer to the records of loan approval and credit card approval, which are mainly caused by users applying for credit cards or loans. If it appears frequently in a short period of time, banks will think that users are hungry for funds and have insufficient repayment ability, which will lead to the failure of mortgage lending.
No bad public records: public records include tax arrears records, civil judgment records, enforcement records, administrative punishment records, etc. If there is a bad public record, depending on the severity, it will lead to an increase in the down payment ratio, or the bank will raise the loan interest rate and shorten the loan term. In addition, direct refusal of mortgage approval, such as users being included in the list of untrustworthy people.