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Which types of people apply for a mortgage easily refused

Time: 2017-01-19         Source: Rong 360 finishing         Author: 360 Financial consolidation

Can someone who can not apply for a mortgage, as follows:

Minors under 18 years of age

The most important condition for applying for a mortgage is to have a stable job, income, and sufficient repayment capacity. Therefore, minors under the age of 18 are not able to apply for a loan from an independent individual to the bank.

However, if a minor child and a parent jointly apply for a loan to the bank, the parent (or party) applies for a loan to the bank and makes a pledge of the pledge for the child to repay and bear the notarization of the joint repayment liability, which is legally established , Some banks can accept their loan applications. But if the children under the age of 18 before the sale of the property to operate more trouble, and is likely to not sell. Therefore, it is recommended that the loan applicant be in the name of a minor childLoan to buy a house, Must be carefully considered.

2, do not meet the qualifications of the age group

Banks have more stringent audit conditions in accepting loan applications for loan applicants. In addition to restricting the qualifications of minors, older people who are older are unable to lend. Now the commercial banks stipulate that in the application for individual housing loans, the male loan applicant age is not more than 65 years old, female loan applicant age is not more than 60 years old.

3, personal credit qualification is poor

In the case of loans to meet the conditions of the applicant was rejected by the bank is the most personal credit qualification is poor. In the central bankPersonal creditAfter the database is becoming more and more perfect, any bank across the country can always access the loan applicant's personal information, whether there are mortgages, car loans,Consumer loans, Repayment records, etc., even the loan applicant work units, contact information, identity documents are also at a glance. The bank according to the credit information in the database of the applicant information to determine whether it is eligible to apply for loans.

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