The price of a house is not low, few people can take out money to pay for the house at one time, so most people will choose the way of loan to buy a house. But not everyone can successfully borrow money from the bank. Today, Xiao Bian summarized several people who are not easy to borrow money. Let's have a look. If you have these situations, you have to find a way to solve them.
First, people engaged in high-risk industries
High risk industries refer to those industries with higher risk coefficient than other industries, higher accident rate, large scale of property loss and unable to recover in a short time, such as fireworks industry, construction industry, hazardous chemicals industry, etc. It can be seen that the life and property safety of borrowers in high-risk industries has certain risks. If the bank lends money to you, it is tantamount to transferring these risks to itself, so it is often difficult for people in high-risk industries to borrow money from the bank.
The second is the over aged
Many banks take the age of the lender as a rigid indicator, and generally stipulate that the loan age is 18-65 years old. Among them, 25-40 years old is the most popular group, followed by 18-25 years old and 40-50 years old. For people aged 50-65, the application for housing loan is generally not passed. Because people in this age group are prone to physical problems, it is difficult to repay the loan with great risk, so for banks, loans to these people should be highly cautious.
Third, people with low income or unstable income
Usually, the income of sales staff and freelancers is not very stable, sometimes high and sometimes low, and the bank is unable to accurately assess their repayment ability, so the possibility of loan rejection is relatively large. Because income and work are the criteria for the bank to determine a person's repayment ability. If a person's income is unstable or his monthly income is very low and he does not have enough repayment ability, the bank will bear greater risks if he loans to you.
Fourth, people with poor credit
The bad credit here mainly includes overdue credit card, overdue loan, overdue loan for others, etc., which will affect the home buyers' application for loans. People with good credit are more likely to apply for loans, while those with bad credit will not be able to obtain loans from banks directly, even if they change several banks to consult.
The fifth is the person whose credit report is inquired by many different banks
In a period of time, the credit report has been inquired by different banks for many times due to loan, credit card approval and other reasons, and the records in the credit report show that no new loan or credit card has been applied during this period, which indicates that the lender has applied for loan or credit card from many banks and has not succeeded, which reflects the poor qualification of the lender, so the bank is out of the wind In general, the loan will not be made to the person whose credit report is inquired by many banks.
The sixth kind is the person who has economic disputes and has not yet fulfilled the judgment
If the borrower is in debt, involved in civil disputes, enforced by the court and refuses to perform, then the court can include you in the list of dishonest persons. In addition to being unable to obtain bank loans, you will have difficulties in taking high-speed rail, flying and staying in hotels in the future.