1. Personal family situation
Personal information, including the applicant's personal information, family information and age, needs to be verified by the bank. The age of the lender will affect the loan term and loan amount to a certain extent.
2. Personal credit information
Personal credit records are very important when banks approve loans. For example, daily telephone bills, utilities, overdue credit card payments, etc. It will leave a stain on your personal credit record. When the bank examines your personal credit information, if your personal credit information is poor, it can directly lead to loan refusal.
3. Income level
Your income level is reflected in the income certificate and bank running water, and your income directly determines whether you can get enough loans. The loan amount, loan term and monthly payment are interrelated and influence each other. If your income is insufficient and you can't pay the monthly payment, the bank won't approve the loan.
2. Under what circumstances will the loan application be rejected?
People who apply for loans with false information, have the nature of fraudulent loans, and have very poor personal credit information will be refused loans. The age of the lender may also affect the application for commercial loans. Because the lender is too old, banks generally do not accept loan applications.
1. Bad personal credit record
In principle, banks can refuse to lend if there are six overdue records for three consecutive times in two years. Overdue records include credit card repayment, mortgage repayment and car loan repayment. Overdue records will appear on your credit record.
2. People who provide false information
When applying for a commercial loan, if the applicant submits false information, the bank will refuse the loan once the information is found to be untrue. No matter how good your personal credit record is, it can't be saved.
3. It has the nature of fraudulent loans.
Fraudulent loan refers to the inflated loan amount when applying for a loan, which will increase the loan risk of bank lending institutions and will be regarded as fraudulent loan. For example, 3 million house, brother loan, 3.3 million price, fictitious transaction, loan. There are also unrelated relationships, fictitious transactions, which increase the loan risk of banks and other lending institutions, and are also considered to be fraudulent loans.
4. The lender is older.
Usually, the bank stipulates that the applicant is 18-65 years old, among which 25-40 years old is the welcome crowd of the bank, followed by 18-25 years old and 40-50 years old and 50-65 years old. Housing loan applications are generally not approved. Because the older the lender, the greater the chance of health problems, which will affect the repayment of loans, so banks have to bear higher risks.