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