住宅ローンの審査とキャッシングの利用について

金融

新たに家や土地を購入するために住宅ローンの審査を受ける場合、他社の借り入れがあると不利になるのでしょうか。

金融会社ごとに審査の内容が設定されており、結果の出方も違います。

基本的に、審査に通りやすい状況をつくるためには、収入を上げるか、返済中のローンをなくすことです。

完済が終わっていない金融商品は何もないという状況をつくることがポイントです。

新規の住宅ローンを希望する時には、他社の借り入れ履歴があることが、審査でマイナス評価されることはないようです。

かつて、金融会社のキャッシングを利用したことがあるから、今、住宅ローンが借りづらくなるのではと懸念する人もいるようですが、審査の判断と、過去のキャッシング履歴は直接関わりはありません。

スポンサーリンク

住宅ローンの審査に影響があるとするなら、以前にキャッシングやローンを利用して、月々の返済に行き詰まって長期滞納をしたことがある人や、債務整理をしたことがある人です。

キャッシングの審査では、かつて、借りたお金を期日通りに返済したことがあるなら、問題はありません。

借りたお金を、期日どおりに正しく利息をつけて返済しているなら、住宅ローンの審査では望ましい客と判断されたりもします。

今まで金融サービスを使ったことがあるといっても、住宅ローンが利用できる見込みは十分にあるでしょう。

住宅ローンの審査の際には、他社からの借り入れがまだある人は信用能力が低いという判断になることがあるので、借り入れ中のお金があるなら、返してしまいましょう。

住宅ローンを選ぶ時に、銀行系金融機関を希望するなら、まずは利用中のキャッシングやローンを全て返済してしまい、借金のない状態になってから申し込みをしましょう。

スポンサーリンク

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