- Which types of people are eligible for personal housing loans? With the increasing macro-control of the real estate market, bank housing loans have also been tightened. For borrowers who try their best to apply for a personal housing loan through various channels, it is easy for a bank to refuse to sign a loan when they apply for a loan. 1.Unable to be under 18 years old...
- Which types of people are easily rejected when applying for a mortgage? Which types of people are easily rejected when applying for a mortgage? The first is a survey of applicants for mortgages. Apply for the ID card and account of the mortgage lender. If the user members and immediate family members participate in the loan, the bank must also check the ID card and the account book. If the spouse is not involved in the same account...
- Which types of people can apply for a business guarantee loan? Entrepreneurial secured loans generally have a certain discount offer, but which types of people can apply for a business-guaranteed loan? According to the Chongqing Municipal Bureau of Human Resources and Social Security, Chongqing city registered unemployed people, people with employment difficulties, demobilized retired military personnel, college graduates, criminal interpretation...
- High-energy warning: These people are most likely to be rejected for applying for a mortgage! Many people went to the bank to apply for loans with hope when they bought a house. However, they did not expect that the mortgage application was rejected, which affected the purchase of the house and also disrupted all subsequent plans. Then the question is, who will be rejected when going to the bank loan? Who can't lend...
- Do you have a few types of people who are not allowed to apply for a credit card? After receiving the bank's wind control text messages one after another, the credit card swipe is unconsciously derated, and the credit card is actually blocked. Are you still suffering from the above problems? With the rapid increase in the number of credit card issuances, bank risk control is more stringent. Do you know which types of people are easy to be banked...
Which types of people apply for mortgages are easily rejected
What are the people who can't apply for a mortgage, as follows:
1. Minors under the age of 18
The most important condition for applying for a mortgage is to have a stable job, income, and sufficient repayment ability. Therefore, a minor under the age of 18 cannot apply for a loan from a bank as an independent individual.
However, if a minor child and a parent jointly apply for a loan from the bank, the parent (or one party) applies for a loan from the bank and makes a mortgage commitment, and the child is reimbursed and bears the notarization of the joint repayment obligation, so that it is legally established. Some banks can accept their loan applications. However, it is more troublesome to sell the property before the child reaches the age of 18, and it is very likely that it will not be sold. Therefore, it is recommended that the loan applicant be in the name of a minor child.Loan to buy a houseWhen you must be careful.
2. Unqualified over-aged people
Banks have stricter conditions for reviewing loan applicants' mortgage applications. In addition to restricting the qualifications of minors, the older overage groups are also unable to make loans. At present, various commercial banks stipulate that when applying for a personal housing loan, the male loan applicant is no more than 65 years old, and the female loan applicant is no more than 60 years old.
3. Those with poor personal credit qualifications
Among the loan applicants who meet the loan conditions, the most rejected by the bank is the poor personal credit qualification. At the central bankPersonal creditAfter the database is getting better and better, any bank in the country can check the personal information of the loan applicant at any time. Is there any mortgage or car loan in the name?Consumer loan, repayment records, etc., even the loan applicant's work unit, contact information, identity documents, etc. are also unambiguous. The bank determines whether it is eligible for the loan based on the loan applicant information in the credit report database.
[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: email@example.com
- Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
- Mobile Edition: Which types of people apply for mortgages are easily rejected
- In Beijing, which mortgage product are you suitable for?
- “Three Nos” Beijing wage earners Which unsecured loan product is suitable for application?
- Counting those things that have been refused because of personal credit
- Which “high-value” unsecured loan products can be applied for from Beishang Guangshen users?
- Monthly income of 4,000 yuan Which loan products can I apply for in Beijing?
- Home mortgage loan essential book
- What you have to know before and after the mortgage
- A small action, from which the ant borrowing function is turned off?
- Which repayment method is the most cost-effective? Look over and teach you to save some money!
- The seven reasons why credit was rejected, have you shot it!
- The loan is not returned, is it true that the bad record is automatically eliminated after five years?
- Apply for a second withdrawal on the same day! 15 small loans for short-term loans will pick you up
- What are the reasons for the rejection of consumer loans? I will give you this!
- What are the dangers of borrowing usury? These consequences make you hard to imagine!
- Torn WeChat, Alipay teamed with ofo, with sesame credit can be free of deposit
- Three minutes to learn Alipay Ants to borrow 10W+
- Call the board Alipay! Micro-banks pushed a new interest rate lower than the micro-loan
- What types of refinancing can be divided into?
- What types of credit cards can be divided according to the scope of application?
- What types of credit cards can be divided according to the card issuer?
- What types of credit cards can be classified according to the way information is stored?
- What types of credit cards can be divided according to the number of accounts?
- Which type of borrower is suitable for balloon lending?
- Local no-property loan refused to reapply
- What are the categories of Fuzhou Small Guarantee Loans?
- Who can't apply for a direct mortgage?
- Is it easy to apply for an unsecured loan?