Since this year, a number of bank mortgages have been in a hurry, and the lending time has been repeatedly eliminated, short three or four months, more than half a year.
Due to the too long of the loan time, the uncertain factors increase, many friends are inappropriate to pay for a supplementary material while anxiously waiting for the deposit.
Therefore, friends who apply for housing makers will not be very safe. On the one hand, I am worried that my mortgage application cannot be passed, and on the other hand, I am worried that I can’t stay on time.
In order to control the risk, the bank is also awarded the housing loan interest rate, the customer’s qualifications, and the customer’s qualifications, which leads to the approval of bank housing loans. Started from strict.
The role of income prove is that the bank is to understand the customer’s work nature, is it works in the industry prescribed by the bank; and the bank’s role is that banks need to account for the monthly income of applicants, can Meet the requirements of the bank’s bailment.
According to the current average price, it is generally said that many friends need to loary 1 million. So, how much is our monthly income needs to meet the bank’s requirements, it is easy to approval by loan?
Let us first trial for a month.
The housing loan applies for 1 million, and the provident fund loan must not reach this amount, then we can only choose commercial loans or combined loans.
For example, the lender did not handle the mortgage, the liabilities per month were 1,000 yuan. The mortgage per month is 2000 yuan. Then the loan monthly income needs more than 6,000 yuan. If the family is in the family, The principle is also the same.
In pure commercial loan mode, the current mortgage interest rate is calculated from 5.88%, and the third year of 30 years is repayment. The month is as follows:
We can Seeing that in this loan mode, the amount of payment per month is consistent. The body is 5918 yuan, and the total interest rate of 30 years is approximately 11.34 million, more than the loan principal.
Banks are reviewed by this month for standards, lenders or lenders’ family pure month revenue should reach 12,000 yuan, which is in line with the bank’s audit policy.
And if the equal amount of this gold repayment is the kind of being more passionate on the market, the first month’s repayment amount is the highest, and the model is declining each month, it is also loans for 30 years. The month is as follows:
We can see that the month for the first month for reaching 7677 yuan, the principal is 2777 yuan per month, and the interest will be reduced by 13 yuan each month. The total interest is about 884,44,000.
If the customer chooses this housing loan repayment method, then the loan or lending family is income, at least 16,000 yuan.
The intuitive contrast, friends must have discovered the total interest ratio of the same amount of equal interest than the equal interest than the equal amount of more than 250,000.
This is why many friends who bought a house will suggest a friend who is about to buy a house. Don’t listen to the bank just \”flicker\”, choose the equal money to repay it.
In fact, bank employees do not want to apply for equal funds to customers, as long as the mortgage can be successfully approved, there is no difference in materials for them. .
Only many people have other loans in addition to the mortgage, even if the net income of the family is also negative to the bank’s regulations, twice the standard of liabilities.
Submitted with its materials and retracted, bank employees are not as good as the most steady way, and the probability of success will be larger.
Some customer work units are better. If the provident fund is paid, they will apply for a combination loan, which can save a lot of money. Specific monthly, for example,
If the equal principal rate is repayment, the monthly is 5135 yuan per month, then the lender or lending household monthly revenue takes more than 10,000 yuan.
Otual principal repayment, monthly is 6582 yuan per month, then the lender or lenders’ family monthly income takes more than 13,000 yuan.
In this regard, even if a combined loan is handled, many people may have a certain gap between the bank’s standards. How do we solve this situation?
First, set off all the small loans under the name.
Ten of the contemporary young people have nine out of the small loan, a little on the mobile phone, and thousands of dollars will come to hand, and it also brings us a lot of trouble.
So before applying for a mortgage, it should be clearly clear, try to ensure that the credit faith of the spouse is not liabilities, so that the requirements for the mortgage month revenue will decrease. Second, the income certificate is slightly written.
In fact, the bank’s concept of income is better than our awareness, bank card salary is just the income, and we have five insurances.
, for example, the provident fund payment of 1000 yuan per month, butThe salary is only 5,000 yuan, then we can write a higher income, and the income has proved that 7,000 yuan is also logical.
How many people now have some \”income after sleep\” and \”part-time income\”, which are just justified sources.
If monthly income is still insufficient, it can provide materials such as investment wealth management, rental contracts, and part-time high-speed materials, and some other income, banks will also be included in the family monthly income.
Ok, about the problem of mortgage approval, the problem is probably, friends should know clearly.
(Thank you for your attention, I hope to answer questions, look forward to your consultation and message!)