When we are applying for loan to buy a house, silver-colored guild undertakes be assessmented in the round to usurer. Not be everyone can go those who buy a house borrowing money, stress the income ability that treats your individual even. Some person income are very high, but had been illogical always however when application loan buys a house, is this why? Today we for a few note that says to buy a house about loan.
One, oneself reason
1, usurer is more than 50 years old
This very good understanding, after the person exceeds 50 years old commonly, working ability can be reduced, healthy also can drop. If 50 years old of right-and-left people go applying for loan, very old rate can be rejected. They cannot foretell oneself body future can appear what kind of state, so this was.
2, the job that usurer pursues attributes Gao Wei trade
Silver guilds the individual setting to usurer has detailed investigation, not be to want working income only stability is OK and leasehold, the crowd of industry of tall to be engaged in danger also is to reject loan. The employee that resembles officeholder and large and state-owned company is the high grade client of the bank, silver-colored guild gives certain reputably, leasehold rate is a few higher also. And salesperson, special alarm, firemen because such industry crowd attributes Gao Wei trade, cannot get a bank so reputably, reason cannot apply for the loan of the bank.
3. loan data is not complete
Information is not complete, bank criterion expresses doubt to the fortune ability of your individual, be being rejected so also is very normal. Information must assure integrality and authenticity, if provide false information, the bank can reject your application directly, pull you possibly even blacklist. So, assure authenticity without fail when providing information, do not contain any fluky psychology.
2, house problem
1, the house with longer time
Bank to the room age shorter house is examined and approve more easily through, obtain loan more easily, the forehead of application is spent also can jump over tall. The house with room big age, be in normally 20-25 year between, exceeded even if it is the house with room big age, the bank has not given normally.
2, without property right card
Property right card is the important basis that proves the building is him, especially secondhand of the room in trading, if do not have card of building property right the loan of that unavailable bank.
3, property right is not clear
Resemble not full economy of 5 years is applicable the room is unavailable property right, because he is,cannot appear on the market those who do business.
The house that loan has not been paid off also cannot undertake mortgaging borrowing money, the house borrows money in first time guaranty when, he what the bank reserved this room a right, cannot undertake mortgaging borrowing money again so.
You buy a room to have how again to loan his view and proposal, the welcome leaves a message small make up.
