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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.
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