1, stable income source and good credit record. Banks will judge the repayment ability and credibility of applicants through personal credit records, so having good credit records and credit reports will help improve the success rate of applications.
2. Existing real estate or other collateral. Interest-free housing loans need to provide real estate as collateral, so it is easier for applicants who already own real estate or other collateral to get approval.
3. Meet the loan conditions of the bank. Different banks may have different loan conditions and need to meet the relevant requirements of banks, such as age, working years and income level.
4. Prepare funds and materials in advance. To apply for an interest-free housing loan, you need to provide a variety of materials, such as personal identification, household registration book, housing certificate, etc. Preparing funds and materials in advance before application can improve the success rate of application.
In addition, remind everyone to pay attention to the inquiry of personal credit records. You can learn about your personal data through "pine cone tea". Without inquiry records, you can also learn more about overdue online loans, application records, untrustworthy information, online loan blacklists and other information. It is recommended to know your credit status before lending.