Criteria for issuing bank loans
Standard 1. natural conditions
① Age: The mortgage applicant must be 18-65 years old.
② Education: The higher the education requirement, the better.
③ Occupation: civil servants, teachers, doctors, lawyers and personnel of public institutions are more secure.
Natural conditions include many aspects, and other natural conditions depend on the requirements of banks.
Standard 2, economic ability
When making loans, banks will examine the repayment ability of individuals, including family annual income, family financial assets, family net income and other assets. People with good financial ability are more likely to get loans.
Standard 3, support ability
Regarding the borrower's security ability, banks pay more attention to its medical insurance and endowment insurance, and other security abilities include accident insurance and housing provident fund.
Standard 4. Good relationship with banks
Here refers to the property buyers should have good credit, in addition, the ratio of bank loans to deposits should be > 30%. Generally speaking, people who buy wealth management products in banks are more likely to get loans.
Standard 5. Deduction points
No matter how good other aspects are, some indicators can also have a one-vote veto effect on mortgage loans. For example, being sued for defaulting on loans, having a criminal record and having poor personal credit.
Seven groups that are easy to be refused loans.
1, people with low income and unstable jobs
With low personal income and unstable work, banks will worry about whether they can repay their monthly payments in full and on time. If the monthly payment exceeds 50% of the monthly income; At the same time, in the loan, the personal income certificate and bank running water provided are not up to standard, and the loan will be refused.
2, the age is not up to standard.
Considering the risks of retirement, unemployment or health, people who are too old will be refused loans by banks.
3. People with economic disputes
Debt with economic crimes or civil economic disputes will be recorded online, and banks can find it as soon as they inquire, and this situation is also very serious, and banks will never take risks.
4. People with bad credit information
When applying for a loan, the bank will review the lender's various conditions, especially the credit information: whether there is a record of arrears, overdue credit cards, loans overdue, providing guarantees for others, and the other party's loans overdue's non-repayment. If the credit record is not good, the loan will also be refused.
5. people who buy second-hand houses with a room age of more than 20 years.
The older the second-hand house, the shorter the loan period. If the house is more than 20 years old, with the passage of time, the house will become old and depreciate further. So too old second-hand houses will be refused loans by banks.
6. People engaged in high-risk occupations
When approving mortgage loans, banks will also consider the industries that lenders are engaged in. Ordinary teachers, doctors and other industries have stable jobs and stable incomes, and are the key groups for banks to issue loans; And some people engaged in high-risk industries such as aerial work, dangerous chemicals, fireworks and firecrackers, considering that they are in danger at any time, are likely to cut off their supply, and banks will refuse to issue loans.
7. False information.
Many people are worried about not getting a loan when preparing loan application materials, so they fill in false information to boost their financial ability and try to get a loan. If the bank is found to have filled in false information, it will not only fail to get the loan, but may also be blacklisted, which will affect other loan demand in the future.
In our usual work and life, we must pay attention to maintaining a good personal credit record, and at the same time pay attention to other aspects to avoid being refused loans.
(The above answers were published on 20 17-08-0 1. Please refer to the actual situation for the current purchase policy. )
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