For the person that buy a room to buy a house not less to having, lifetime can buy one flatlet possibly only. But when the person that some buy a house is preparing to handle loan, the accused knew to be not approved borrowed, is this why?
Of the property right person that about sharing property right room need signs entirely agree to just go, if do not agree, bank application flow cannot have going down, arrive to be able to be hit only finally.
So, involve the building of person of mutual property right, person of need property right and person of mutual property right sign a contract jointly ability is effective, ability applies for loan normally.
One, loan of what person application is borrowed easily by bank refus?
1.Be engaged in the person that Gao Wei works
Generally speaking, the person that pursues tall danger job wins high pay very easily, if collier, builder, headroom works,crowd, fireman, sky multiplies personnel to wait. But even if is such, when the person that pursues tall danger job is applying for a room to borrow, be borrowed very easily also by bank refus, after all once this kind of person appears safe accident, that is meant still cannot borrow.
2.Carry the person of debt of a huge sum on the back personally
Although the person that some buy a house is having stable good-paying, the job also does not have too big risk, but bearing liability of a huge sum however after one's death, to this kind of person, the bank often is met direct refus is borrowed.
3.Have assure the person that loan did not pay off
Generally speaking, assure loan has joint liability, if you replaced other to do,assure loan, but the other side still was not borrowed tardy, so you still are borrowed for him with respect to need, and serious effect you apply for a room to borrow, probable meeting is borrowed by bank refus.
4.Forge explain the person that borrows a data
Borrow money to acquire high specified number, the person that some buy a house is adopting fluky mentality, forged explain borrow a data. To this kind of circumstance, once be discovered by the bank, want to assume legal responsibility not only, and apply for loan very hard again later! So, why to no matter you are stemmed from,plant purpose, do not forge explain borrow a data.
5.The age exceeds the person of 50 one full year of life
Normally, the bank is limitary to the age of borrower, if be 50 - borrower application loan of 65 years old is rejected likely, because be in this age paragraph, the body gives an issue easily, the risk that the bank assumes is bigger.
6.Credit appeared the person of the problem
If borrower is the closest the exceed the time limit that sign a letter is more, above appears 3 times inside half an year for instance, above exceed the time limit appears 6 times inside a year, perhaps appear two years recently successive 3 months not the circumstance of reimbursement is borrowed likely by refus.
2, bank may what does the building that refus borrows have?
1.The house with room bigger age
The house that the bank buys housing to place when examining and approve loan age also have a demand, it is 20~25 normally year, but the regulation of some banks may differ somewhat.
Can say room age is shorter, obtain loan more easily, and, the loan specified amount of application is spent also can compare tall; Room age is bigger, easier when application borrows money by refus.
2.Mutual person does not agree with the house that sell
Of the property right person that room of mutual property right needs to be asked for entirely agree to just go, if do not agree, bank application flow cannot have going down, arrive to be able to be hit only finally. So, involve the building of person of mutual property right, person of need property right and person of mutual property right sign a contract jointly ability is effective, ability applies for loan normally.
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