Binzhou Bank mortgage loan has the following points to pay attention to:
First, the bank requires a percentage.
Generally speaking, 70% are houses, 60% are apartments and office buildings, and 50% are villas, shops, factories and land use rights!
Secondly, the age requirements of banks.
It is best for the borrower and mortgagor to be Binzhou 18-70 years old, and in principle, it is best to be between 25 and 65 years old, and it is best to add immediate family members of Binzhou as guarantors in other age groups.
Third, the bank's requirements for credit reporting.
There can be no overdue at present, no historical overdue for 3 years, and no more than 5 credit inquiries within half a year. 5% of the customer's historical credit information can be communicated before the mortgage is overdue, and other circumstances will not be accepted. A small number of transactions need to be settled, generally no more than 3 small transactions.
This is the basic requirement of Binzhou Bank for credit reporting. Married people and banks need to look at the credit information of both husband and wife. Is it you or your husband, or is it 50% for both husband and wife? If the property is in your name, let your husband be the borrower and you be the mortgagor.
If the property is in your husband's name, let your husband be the borrower and mortgagor. Different schemes have different requirements for credit reporting, and some banks can communicate with each other in credit reporting.
Fourth, the bank's requirements for the company
1. The company's registration time: 1 year or more, and it can be purchased newly. There is no requirement for holding time, as long as it holds 5% or more shares.
2. Business scope: Self-employed individuals and small and micro enterprises in Binzhou. The company is a better technology and trade company in Binzhou.
Support for small and medium-sized enterprises, real estate mortgage business can enjoy more favorable interest rates. Of course, some salaried friends don't have companies under their names, so they can register or use new friends' companies or start actual control. Different banking policies are different, so here are no examples.
Fifth, the bank's requirements for running water.
Bank flow includes Binzhou personal flow and Binzhou enterprise flow, which is twice the monthly supply.
Traffic requirements: real network core, insufficient traffic, assets (stocks, funds, wealth management, other real estate).
Finally, the use of funds for real estate mortgage loans.
Use of funds: The loan can be used to meet the normal capital demand in the process of production and operation. The certificate of use can be the normal business needs of the borrower's company, such as purchasing goods, purchasing machinery and equipment, and decorating Binzhou business premises, but it must be consistent with its main business.
There are countless Binzhou banks, and the loan policy changes at any time. Different groups of people, different uses of funds, need different repayment methods and years, and each scheme is aimed at different groups of people. The more information you know, the more detailed you can match the bank loan scheme.
Does it matter if the credit information is spent? Let's take an example to understand: you are a student, and you have written the contents of the test paper sent to you by your teacher in a mess, but the result is correct. Many teachers must be unhappy and have a bad impression when they see the test paper, but he can't make you wrong, he will only give you reduced marks.
So what you should pay attention to is that you must communicate with the account manager. From your personal experience, you don't hate customers who spend a lot of money on credit investigation. But I don't like and don't want to communicate. I just leave the real estate license here and give everything to the bank's customers. There is a simple reason. If you don't know anything about the risks of loans, it will be more difficult to communicate.
If the credit history is too bad, applying for a mortgage loan will have the following effects:
1, and the loan interest rate is high. For example, generally speaking, borrowers with good credit records will enjoy preferential interest rates. Because the borrower in Binzhou has a bad credit record, the lending institution in Binzhou will raise the loan interest rate, so that it is possible to approve your loan.
2. The loan amount is reduced. For example, if you apply for a mortgage loan for your house in Binzhou loan institution, you can get a loan amount of 4 million. Due to poor credit record, the lending institution can only give you below an average, that is, 654.38+0.5 million, and your loan ratio will be reduced.
It can be seen that the design credit problems are big and small, and the impact is different. No matter what kind of loan you apply for, you must keep a good credit record. Credit loans, in particular, can be handled in time if there is a credit problem.
Married people applying for mortgage loans need to pay attention to the credit records of both husband and wife, and lending institutions will look at the credit records of both husband and wife. If one party's credit history is maliciously overdue, it will also affect the mortgage loan.