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这六种情况银行会拒绝贷款 付了首付也没用

泰安站   2017-02-23 09:38

[摘要] 申请贷款是大事,买房也是大事,买房之前必须要搞清楚申请条件。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">一般情况下,年底时银根收紧银行会加大房贷审核力度,到年初时就会松很多,但是2017开年来,由于多地重启限购限贷政策,北京上海等一线城市首套房9折以下的优惠都很少再见,各家银行放贷力度并未见放松,反而进一步收紧了优惠政策。因此,有些人买房申请贷款就更困难了。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px" align="center">

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">1、征信不良的人

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">个人征信是银行考量借款人申贷条件的重要标准之一,信用不好的借款人很容易被银行拒贷。这里说的信用不良,主要包括、贷款、为他人做担保,对方贷款不还等情况,这些都会给申请人形成信用污点,即使是换几家银行咨询也是无济于事。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">2、二手房太老

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">银行在审批贷款时对所购住房的房龄也是有要求的,因为房贷是以房子作为抵押物的,而二手房不同于一手房,不同房龄不同质量的房子其价值必然也不同。对于房龄比较老的房子,一般超过20年以上的,银行就不会再发放贷款了。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">3、你太老

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">通常,银行对借款人的年龄是有限制的,规定年龄在18-65周岁,如果借款人年龄有五六十岁了,在这个年龄段,怕身体出问题,银行承担的风险比较大。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">4、从事高危职业的人

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">如从事高空作业、危险化学品、烟花爆竹行业等高危行业的人。银行考虑到这类人无法保证一直还款,为了规避风险而选择拒贷。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">5、负债大于收入的人

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">每个月的收入都入不敷出,没有盈余,银行会直接拒绝。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">6、工作不稳定的人

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">从事销售行业的借款人就很容易被银行拒绝,因为销售行业人员的收入不定,有时候收入高,有时候收入低,银行无法准确评估其还贷能力,所以就可能会拒绝。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">申请贷款是大事,买房也是大事,买房之前必须要搞清楚申请条件,与房产销售人员沟通好之后再做决定,免得给自己带来不必要的麻烦。

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