Want loan, the salary that the afraidest is him is too little, the bank does not give batch!
Does bank make loans see pay only merely? Have what method salary low, can you let bank make loans however?
Have borrow friend to seek advice, lunar income 3000. Loan 250 thousand, can be the bank approved?
The bank is in when examining and approve a loan, need thinks of a lot of elements, not be the thing of a simple word. Buy room qualification, loan qualification, income, running water, pawn assesses a value, borrower asks for a letter to wait is cannot item of little examine and verify.
Income was mentioned in the problem, loan specified amount spends two elements, borrow elder sister to also do not exhibit begin lecturing, hypothesis borrows friendly other side this is eligible, it is OK to consider these two parameters merely.
Selection accumulation fund borrows money or commerce borrows money,
Borrow money 20 years or 30 years,
Standard interest rate or below the condition of interest rate rise,
Can 3000 yuan salary borrow money after all 250 thousand?
According to what if the month is offerred,lunar income needs for the standard double or above.
Such analysis, lunar income 3000, you are whether the month applies for 250 thousand yuan for 1500 yuan.
Apply for 250 thousand accumulation fund 20 years, wait for frontal principal and interest, standard interest rate, the month is offerred is 1417.99 yuan, look application accumulation fund is no problem,
If buy the accumulation fund of skill building, still apply for 30 years?
Apply for 250 thousand accumulation fund 30 years, wait for frontal principal and interest, standard interest rate, the month is offerred is 1088.02 yuan
It seems, applying for accumulation fund is to be no problem, so apply for commerce?
Apply for 250 thousand commerce 30 years, wait for frontal principal and interest, standard interest rate, the month is offerred is 1326.82 yuan / apply for 250 thousand commerce 20 years, wait for frontal principal and interest, standard interest rate, the month is offerred is 1636.11 yuan, it seems is not OK, exceeded. Apply for 250 thousand commerce 30 years, wait for frontal principal and interest, rise 5% interest rate, the month is offerred is 1364.3 yuan, also be no problem / apply for 250 thousand commerce 30 years, wait for frontal principal and interest, rise 15% interest rate, the month is offerred is 1440.72 yuan, sure.
Above analysis can know, if apply for accumulation fund, or commerce applies for 30 years, basic hill question is not big.
Have the occurrence of other condition?
If inscribe,the problem is advocate put accumulation fund without capture, or owner (contain development business) do not accept accumulation fund loan, that cannot apply for accumulation fund to borrow money.
The rise of urban interest rate that perhaps is in is faster, cause a month for exceeding 1500, whether loan?
Or is the income that partial bank asks the month offers double above? How to borrow money? That involves a few little skill.
That should look for unit income proof to leave inside likely range namely a few taller.
That is to say, problem advocate real income is 3000, actually income proves 4000, leave even 5000 also not be very big question (the unit agrees, the income level that also accords with borrower industry)
From this angle analysis, if one individual month income 3000, actually the month is offerred 2500 also be possible loan success (of course income proves to want enough) .
But lunar income 3000, the month is offerred 2500, be equal to every month to have 500 yuan only? ? ? How to get along?
So ah, those who say is right, but if the individual's true one income has 3000 only, actually may not can buy a house, also dare not risk so big risk after all, do you see need how long is ability put enough head pay?
So normally for, the person backside that buys a house has parents to wait for what propping up, just do not offer income to prove just, so the bank also is willing of proper loan.
If bank of other exterior component borrows money the forehead is spent little, also can offer income proof merely, do not need running water, and income proves to look for unit finance affairs, manpower resource begs one conditions or feelings of the lower levels, open what be no problem a few higher normally.
