The age of the house will not only affect the loan review results, but also affect the loan term. The older the house, the shorter the loan period. If you want to borrow it for a long time, don't be too old. Users can consult the age of the house in advance when applying for a mortgage. Usually, the age of new houses is very new, and only second-hand houses will have age problems.
There are still a series of problems in over-aged houses, such as high maintenance costs, small appreciation space and possible expropriation, which will lead banks to refuse loans to over-aged houses.
What are the factors that affect the loan?
1, maliciously overdue
Overdue credit card, overdue monthly payment, and loans overdue will all affect personal credit records. In addition, if the "sleep credit card" is not activated, it may also generate an annual fee, and if it is not returned, it will generate a negative credit record. There are also some arrears in daily life, such as not paying electricity bills on time, which will also be blacklisted.
2. Personal debt is too high.
If the average personal debt is too high, the repayment ability will be questioned. Generally speaking, a family's total income must reach at least twice the debt before the bank can agree to the loan. Before making a loan, the borrower must reasonably evaluate the approximate amount that he can be approved according to the income-liability ratio stipulated by the bank. However, different banks have different provisions on the ratio of income to liabilities, so they can conduct multi-party consultation and comprehensive consideration.
3. Credit records have been inquired many times.
What's the impact of checking personal credit reports many times? The more inquiries about credit records, the more difficult it is to get loans.
4. Spouse's bad credit
Credit reports will also show marital status. If you are married, the bank will review your own information and your spouse's credit history. If Party B has a bad record, the loan may fail.