申请住房贷款的六项注意 避免意料之外的麻烦-看世界

申请住房贷款的六项注意 避免意料之外的麻烦

贷款买房成为很多人购房的必然选择,这是时代趋势。不过在贷款买房的时候,还是有些事项需要注意的。很多人对贷款买房的一些事情并不清楚,在过程中若是有些事情处理不当的话,就很容易造成一些意料之外的麻烦,因此,在贷款买房的时候,还是需要多注意一些事项事宜,防止一不小心就导致出现问题。下面跟随360常识网了解一下吧!

贷款买房成为很多人购房的必然选择,这是时代趋势。不过在贷款买房的时候,还是有些事项需要注意的。很多人对贷款买房的一些事情并不清楚,在过程中若是有些事情处理不当的话,就很容易造成一些意料之外的麻烦,因此,在贷款买房的时候,还是需要多注意一些事项事宜,防止一不小心就导致出现问题。下面跟随360常识网了解一下吧!

It is the trend of the times that the loan to buy a house becomes the inevitable choice for many people to buy a house. However, when buying a house with a loan, there are still some matters to be noted. Many people are not clear about some things about buying a house with a loan. If some things are handled improperly in the process, it is easy to cause some unexpected troubles. Therefore, when buying a house with a loan, we need to pay more attention to some matters to prevent problems caused by carelessness. Now follow 360 common sense net to understand!

申请时住房贷款还有“六项注意”

When applying for housing loan, there are "six notes"

第一,申请人须详细填写《住房贷款申请表》中的各项资料,并确保其真实性。银行一般会依据约20%的比例进行随机性调查,一旦某项数据存在虚假,将会直接影响银行对个人的评价。

First, the applicant must fill in all the information in the housing loan application form in detail and ensure its authenticity. Banks usually conduct random surveys based on the proportion of about 20%. Once a certain data is false, it will directly affect the bank's evaluation of individuals.

第二,申请人的职业是非常重要的问题,也是银行对个人状况的一个总体认识。而其中最受认可的是政府公职人员、行政管理、金融、航空运输、邮电通讯、律师和会计师,失业人员在申请住房贷款时难度很大。

Secondly, the occupation of the applicant is a very important issue, and it is also a general understanding of the bank's personal situation. Among them, the most recognized are government officials, administrative management, finance, air transport, post and telecommunications, lawyers and accountants. It is very difficult for the unemployed to apply for housing loans.

第三,个人年收入情况是衡量贷款与否的关键,但是对于收入情况,很多银行并不要求申请人出具有效的收入证明。因此,申请人可以根据实际收入情况(包括奖金、补贴等额外收入)来计算个人年收入,这样贷款就相对容易一些。银行认为的优质客户是年收入20万以上、净收入10万以上、金融资产50万以上、其他资产50万以上的家庭。

Third, the individual's annual income is the key to measure the loan or not, but for the income situation, many banks do not require the applicant to issue an effective income certificate. Therefore, the applicant can calculate the annual personal income according to the actual income (including bonus, subsidy and other extra amount income), so that the loan is relatively easy. The high-quality customers considered by the bank are families with annual income of more than 200000, net income of more than 100000, financial assets of more than 500000 and other assets of more than 500000.

第四,申请人与银行关系,主要是通过良好信用记录和储蓄存款/贷款的比例这两个方面来判断。具体说,就是以良好信用记录的保持时间来区分,12个月以上为长期良好信用记录,或者储蓄存款/贷款的比例超过30%都表示贷款申请人信誉良好。值得注意的是,银行对只有存款而没有贷款的申请人并不认同。

Fourth, the relationship between the applicant and the bank is mainly judged by two aspects: a good credit record and the proportion of savings deposits / loans. Specifically, it is distinguished by the retention time of a good credit record. If more than 12 months is a long-term good credit record, or the proportion of savings deposits / loans exceeds 30%, it means that the loan applicant has a good reputation. It is worth noting that banks do not agree with applicants who have only deposits but no loans.

第五,保障能力是对住房贷款申请人的一项特别考核,银行可不愿意贷款人出现什么意外。因此银行在这方面主要考虑申请人是否拥有医疗保险和养老保险。

Fifthly, the guarantee ability is a special assessment for the applicants of housing loan. The bank is not willing to have any accidents with the lenders. Therefore, the bank mainly considers whether the applicant has medical insurance and endowment insurance.

第六,银行在对个人住房贷款申请者进行评定时,有一类减分项目,其中一些指标对住房贷款有一票否决的威力。例如申请人有坏账或由于拖欠贷款被起诉,以及有刑事犯罪记录,将导致个人的整体信用降为零,银行将不会为其提供任何贷款服务。

Sixthly, when banks evaluate the applicants of individual housing loans, there is a kind of sub items, some of which have the power of one vote veto on housing loans. For example, if the applicant has a bad debt or is prosecuted for defaulting on a loan, and has a criminal record, the overall credit of the individual will be reduced to zero, and the bank will not provide any loan services for him.

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