What to know about bank loans, do you know

Many people have had the experience of taking out a loan with a bank, especially a mortgage. There are really very few people who buy a home with full payment. So, not all loans are approved in the process of getting a loan. There are always a variety of reasons why some people are denied a loan. Today, let's break it down. What kind of criteria do banks use to approve loans in real life? Finally, how can I get a loan from a bank?

First, there are problems with credit

As credit can be rejected by the bank is the most common, is also the highest rate of rejection of a development, now credit obviously China has become more and more attention, before the loan query credit is also very necessary to study the steps, one is the enterprise if there is overdue behavior, especially if there is "even three tired six" situation, that is, by two years time If you have three consecutive late payments or a total of six late payments within two years, it means that your repayment record is too poor, touching the red line of the bank and being rejected is inevitable. The second is the recent repeated inquiries credit information, if you recently the country in order to improve loan products or not for credit card repeated inquiries credit, the bank will think you in other financial services institutions and repeated applications, is not normal behavior, will also be rejected.

Second, single + foreign

In most people's opinion, married people are more responsible than their single friends and two people are more capable of paying off debts than one. Therefore, banks obviously do not welcome single friends; if the borrower has an off-site account, unstable income or repayment pressure; if the borrower is both single and off-site, the chances of getting approved will be greatly reduced.

Third, too old

Most banks have a rule that the loan term + the borrower's age should not exceed 65 to 75 years old. Different banks have different rules. If a bank has a rule of 70 years old and the borrower is 65 years old, so the maximum loan term is only 5 years, then if it is only 5 years, the bank will make a comprehensive assessment of income or other conditions, and obviously the pass rate is not very high.

Fourth, the income does not meet the standard

The current loan-to-income ratio is generally 50%, which means that the monthly repayment should reach half of the household income, i.e. the monthly repayment should reach 5,000 yuan and the household income should reach 10,000 yuan or more. If the borrower does not have a stable income and good business information, or other debts are too high, the loan will be rejected.

Five, too many online loans

Now companies for online loans are developing more and more people, because there is no threshold is relatively low, and can also be a large amount, more by the preferences of young people, but we if a borrower online loans too much, the bank will think that the company's debt level is high and income and debt is disproportionate, will also be rejected.

These are the five types of loans that banks will reject, but of course different banks have different requirements for the review conditions of borrowers, even if they are in the same bank. Some examiners also have their own review preferences and the review criteria can be more lenient and strict. The above measures cannot represent all of the bank's review requirements, but they are relatively common. I hope I can give you some help.

So how do you get a loan from a bank?

First, based on the five areas mentioned above, you can briefly sort out your actual situation. If one of these situations exists, be sure to talk 自願醫保計劃 to your bank first and explain the situation. If it is really impossible to do so, you must hurry up and choose to change banks. As we said earlier, the review criteria may be different from bank to bank, and another bank may have a turnaround point.

Secondly, in the daily financial services activities, must be able to maintain a good credit record, for our daily credit card for repayment, mortgage return, etc. must remember the date, must not have default, many people are because of credit card a few dollars, dozens of dollars repeatedly occurred in arrears, resulting in some problems with credit, and eventually business loans were rejected, it is really a great pity.

As for the online loans that many young people like, I would like to urge you to stay away from them as much as possible. These types of loans with 私人分期貸款low thresholds and high interest rates can easily involve people. The more loans you pay back, the more money you make. Already they take away and end up in debt, not to mention and bank loan, and the original life will be affected.

Finally, we hope that in the process of getting a loan, we must provide the bank with authentic materials, such as proof of income, proof of marriage, etc., because nowadays, when banks review loans, they also use various means to verify the authenticity of the materials, and once false materials are provided and reviewed by the bank, it is certain that the loan will be rejected, with no possibility of reversal.