Note 1: Apply for mortgage according to your own ability

Some people think that the amount of corporate loans is getting bigger 借貸 and bigger, the better, but it’s actually a matter of fact and it’s not always the case! When applying for loans, whether it is provident fund management or commercial loans, banks have to investigate the borrower’s economic development capabilities. Therefore, when applying for loans, they need to provide Bank of China with nearly half a year’s bank flow. When the personal turnover does not meet the design requirements, the borrower's information can be improved. At the same time, we provide an economic organization that does not have a family member and list the family as the national co-payer. For the working class, the bank mainly looks at the salary flow, monthly account balance and the average daily balance of the financial account; small and medium-sized private enterprise business owners, self-employed owners, etc., the banking system mainly looks at the borrower’s incoming and outgoing accounts and fixed deposit balance Etc.; bank flow requirements can reflect a relatively safe and stable entry into the account for a fixed monthly study time; at the same time, it is also the family's monthly income reflected in the bank flow, which needs to be more than twice the monthly mortgage payment. At the same time, the larger the loan amount, the greater the pressure on repayment in the later period, so the need to apply for a mortgage still has to do according to one's ability.

  Pay attention to safety matters 2: prepare the relevant information about corporate loans in advance, credit investigation is very important

When applying for a corporate loan, you need to prepare in advance learning materials, such as a copy of your ID card, a copy of your household registration, a copy of a married person’s marriage certificate, proof of income, and a copy of the bank’s approval of the transaction, a copy of the house purchase service contract and the down payment invoice, Research certificates related to social security management, etc.

In the process of loan processing, credit investigation is a crucial link. If consumer loan repayments such as credit cards, Huabei, Borbi, Jingdong Baitiao have bad credit records, you must apply for removal or issue relevant certificates.

The following is our key students to talk about credit investigation:

1. How to check credit report?

If the main body of enterprise information management wants to know the student's own credit investigation report, they can check our own credit risk report with the credit bureau twice a year for free. Residents of Taiyuan can hold valid documents such as ID cards and submit an inquiry application to the people of China for the bank's Taiyuan branch, and inquire about their own credit analysis reports twice a year for free. Although the banks of our country attach great importance to the personal development of the credit economy of the borrower, it is not possible to apply for a mortgage unless there is a credit "stain". The specific issue of whether the loan can be issued can also be determined based on the overdue situation.

2. What is the impact of overdue credit cards on mortgage applications?

The mortgage interest rate will be increased or the loan rate will be reduced. If the cardholder has one or two credit cards overdue, and the overdue limit is not large, and the overdue limit is not large, the bank is still willing to issue loans for it, but the loan interest rate will be increased or The approved loan limit was lowered.

If the cardholder is late in repayment for three consecutive years or fails to repay the mortgage loan six times in a row, the mortgage loan will be rejected. It should be noted that the credit card bill has expired one month, three months or even three times; if the credit card bill has expired once, it will expire again, which is six times. There were 6 overdue payments in total.

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