Buying a house is a major event in life, and the housing fund is also a very huge expense. Especially when the economic situation does not allow, many people will choose bank loans to buy a house in urgent need. So how to increase the amount of housing loans?
1、 Keep good credit investigation
Generally speaking, good personal credit investigation is a major prerequisite for obtaining bank housing loans. Of course, in addition to personal credit investigation, there are bank running water, income certificate, etc. Therefore, if your personal credit investigation is flawed, the bank is likely to reduce the amount of housing loan. What's more, the bank will directly refuse to lend.
Therefore, if you want to get the maximum amount of housing loan, you should pay attention to maintaining good personal credit investigation in your ordinary life. Remind, don't casually generate overdue records, and don't casually forget the days and owe fees. These will be recorded in the personal credit investigation records.
2、 Increase personal income
In fact, for lending banks or institutions, what they value is the income of the lender, because the income of the lender will represent your repayment ability. Therefore, when banks lend, they often determine the mortgage amount according to the borrower's income.
In other words, if your personal income is too low, the bank will naturally reduce the loan amount. If your personal income is less than twice the monthly payment, the bank is likely to refuse the loan directly. Therefore, in order to obtain the maximum amount of housing loans, you must have a high income, so it is important to improve your personal income.
3、 Husband and wife jointly apply for loan
Under normal circumstances, the income requirements of lending banks for lenders are often twice their income. Therefore, if you have a low income and barely meet the requirements of the bank, the amount of housing loan will be very low.
But if you get married, then there is a way: you might as well apply for a loan together. In this way, the income will far exceed the requirements of the bank, the mortgage amount will be increased, and even get the maximum mortgage amount.
4、 Provide proof of large assets
If you can provide other certificates of large assets, such as shops, luxury cars, equity, etc., the bank will also increase the amount of housing loans for you. If you provide enough large assets, it is not difficult to get the maximum amount of housing loan.
5、 Become a bank VIP
No matter what industry, as long as you pay enough money, you can enjoy VIP service. Of course, so is the bank. Therefore, if you want to get a high amount of housing loan, you might as well apply to become a VIP customer of the bank, and the success rate may be greatly improved.