Recently, citizen week gentleman encountered irritated worry, because had been dealt with on the net for many times before this small consumption borrows money, bring about the report that sign a letter to be inquired the time is more, when applying for individual housing to mortgage loan to the bank when him, was rejected actually! !
The report that sign a letter is inquired the time is much, does true influence apply for loan?
Because ask for a letter to be checked,the frequency is borrowed by refus more
Recently, citizen week gentleman took a fancy to college town around some building dish a bridal chamber, but sign contract hind when he and development business, when to the bank application borrows money, be borrowed by refus actually.
"Bank clerk tells me, refus is borrowed, because my individual credit report is inquired the time is very much,be. " Mr Zhou feels very injustice, he says, his own job and income are good, before wanting to be able to blame this only quite, had dealt with on the net for many times small consumption borrows money, bring about the report that sign a letter to be inquired the time is more. These days, he is being worn urgently the friend that becomes intermediary please helps him apply for loan to other bank.
So, is the report that sign a letter inquired the time became much does true influence apply for loan? The staff member of some bank discloses the urban district, the report that sign a letter is inquired the frequency is one of judgement basises when room of bank examine and verify borrows application really, with this behavior exemple, the report signing a letter of loan applicant is inquired the frequency had better not exceed 12 times inside half an year.
The reporter sought advice from much home bank, got similar answer. Nevertheless, also bank clerk expresses, the report that sign a letter is inquired the frequency is one of elements that when room of bank examine and verify borrows application, think only, not be exclusive payoff.
Why does the bank take the report that sign a letter seriously to be inquired so frequency? Some bank clerk tells the urban district the reporter, the report that sign a letter is inquired the time is much, often mean loan time much, financial orgnaization thinks then this individual very lack cash, do not have good reimbursement capacity, risk of break a contact is high, and to buying a house person for, silver-colored guild suspects its may not have the capacity that buy a house, use loan often to come so collect is sufficient head pay.
What element influence applies for loan
"Loan of application of the person that buy a house meets with the case of refus is not rarely seen, great majority is the issue gave in the respect that sign a letter. " the Huaihe River installs city to come river tells general manager of limited company of broker of favour house property the reporter, the individual inquires the frequency of the report that sign a letter does not affect application to borrow money, but put the inquiry that borrows an orgnaization to borrow money to apply for and arise because of what examine an individual to record, for instance credit card is examined and approve, loan is examined and approve etc, affect application loan really, so, the citizen that loan buys a room to plan had better deal with a net to borrow carefully wait for relevant business.
And understand according to the reporter, current, the net of company of a lot of Internet borrows a product in, be spent besides ant, ant borrows, Beijing east white, particle is borrowed wait for a product to be able to involve inquiry possibly sign letter report.
River still reminds the person that buy a house to the following problem notes when applying for loan:
1, it is loan qualification above all. With accumulation fund loan is exemple, after paying off first time to borrow money, can apply for loan the 2nd times, but loan interest rate will rise, loan specified amount is spent will shrink, cannot apply for loan the 3rd times. Commerce borrows money " admit borrow " , want to pay off loan to be able to enjoy the treatment of a flatlet only, but the influence that can is restricted to buy policy by each places.
2, it is the circumstance that sign a letter next. Besides ask for a letter to be checked the frequency affects application loan more, credit card or borrow money for many times reimbursement of exceed the time limit, indebted more, in using credit card Fu Shoufu and public information, have owe cost, owe the circumstance such as duty to also can affect application to borrow money.
3, in addition, still a few other conditions can affect application loan, for instance, the age of the person that buy a house and room age, with room age is exemple, secondhand room room age cannot exceed 30 years commonly with the sum of loan fixed number of year, the building in 20 years of above compares room age to be borrowed easily by bank refus. The reimbursement ability of usurer is very important also, normally the circumstance falls, the lunar income that silver-colored guild asks borrower income proves to go up is the double above of its month reimbursement and other and indebted the sum.
