住宅ローンの審査が有利になる条件とは

金融

ローンの返済中に、新たに住宅ローンの申し込みをした場合、審査は通りづらくなるものでしょうか。

新居を購入し、住宅ローンの返済に毎月お金を使うことと、アパート生活を続けて毎月家賃を払うこと、結果的にはどちらがお得なのかを考えてしまう人はいます。

金利がマイナスに突入していることもあり、住宅ローンの金利が低い今のうちに、新しく家を買ってローンを組むべきではないかという人もいるようです。

金融会社は、新規の貸し付けを行う時には、信用情報を知るための審査を行います。

住宅ローンの審査を受ける際には、他の金融会社から借りているローンがある人は、できるだけ返し終えて負債をなくしておきましょう。

信用情報会社に照会をすることで、金融会社は金融サービスの利用履歴を確認できます。

スポンサーリンク

返済中ローンなどがあればすぐに把握されます。

高額融資になる住宅ローンの場合、別のローンを利用中の人は、返済が行き詰まる可能性を器具されやすいものです。

審査に不利にならないカードローンの例として、住宅ローンの会社とカードローンの会社が一緒な場合があります。

銀行サイドからすれば、金融機関のカードローンなら保証会社の保証があるので、住宅ローンの融資に支障になることがないと考えます。

むしろ、今まで借りたお金をしっかりと返済できている人であれば、返済能力の高い顧客として評価されることもあります。

住宅ローンの申し込みをする時に、既にカードローンを利用している銀行矢信用金庫にすることで、金利の優遇措置が受けられることもありますので、借入先を検討する時には、過去に利用したことのあるところを探すのもお勧めです。

ノンバンクからのキャッシングを使っている人は、一度全額返済し終わってから、住宅ローンの審査を受けるようにしましょう。

確実に住宅ローンの審査でOKが出るようにしておくには、多少大変でも前倒し返済をするなどして返済を済ませておきましょう。

スポンサーリンク

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