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Which types of people are vulnerable to applying for mortgages
Who can not apply for a home loan, as follows:
1. 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 ability. Therefore, a minor under the age of 18 cannot apply for a loan from an independent entity.
However, if a minor child and a parent jointly apply to a bank for a loan, the parent (or a party) applies to the bank for a loan and makes a pledge to pay for the child’s repayment and assumes the notarization of the joint repayment liability. This is legally valid. Some banks can accept their loan applications. However, if the property is sold before the child is under the age of 18, it will be more troublesome to operate and may not be able to sell it. Therefore, it is recommended that the loan applicant be in the name of a minor child.Loan to buy a houseIt must be carefully considered.
2. Ineligible overage population
Banks have stricter conditions for accepting loan applicants' mortgage applications. In addition to restricting the loan qualifications of minors, overage populations with older ages are also unable to borrow. Now commercial banks stipulate that when applying for individual housing loans, male loan applicants shall not exceed the age of 65, and female loan applicants shall not exceed the age of 60.
3, poor personal credit rating
Among the loan applicants who met the loan conditions, the ones that were rejected by the bank were the ones with poor personal credit rating. At the central bankPersonal credit informationAfter the database is gradually perfected, any bank in the country can access the personal data of loan applicants at any time. Is there a mortgage or car loan under the name?Consumer loans, repayment records, and even the loan applicant's work unit, contact information, identity documents, etc. are also undoubtedly at a glance. The bank determines whether it meets the qualifications for applying for a loan based on the loan applicant information in the credit information database.
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