• GUIA DESIGN OFFICE

If you just can't pass housing loan examination,...


There are several reasons why you don't pass it. Among them, there are 4 reasons below.


1. "I have been late for loan payment."


2. "I became the loan guarantor of another person."


3. "I have a lot of loans now."


4. "Other"


1. "I have been late for loan payment."

No.1 is the most common reason. Loans include all loans. Car loan, credit cards, and mobile phone terminals are also loans.


If you purchase the mobile phone in installments, you will still get a loan. Credit card installments and revolving payments are also loans.


Please think of it as a loan if you don't buy the item at once, but pay it in installments.


"I'm all on time now." " I paid for everything now. " It's not good because you paid. There is a problem with the late payment of loan.


If you are late for loan payment, the loan company will post the information to the loan intelligence agency. All loan companies, and of course banks, share that information. They know everything about your current and past loan situation.


So if you are late for loan payment or you repeat the same thing over and over again, your loan information will be very bad.


In that case, even if you try housing loan examination many times, all the results will be NG.


2. "I became the loan guarantor of another person."

If you previously became a guarantor for someone and that person was late for loan payment, it's the same as No.1.


The most common case is when you become a guarantor for others mobile phone. You should never be a guarantor of another person. Even parents and siblings. What they did, not me. It dose not work. The name of the loan is you. So it's best not to be a guarantor for a loan.


3. "I have a lot of loans now."

4. "Other"

In this case, if you take other measures, you may apply housing loan examination. Especially in the case of No. 4, the person in charge of you before may not be working. That is, they didn't check your details. They were only looking to see if it could be applied to their company house.


So, if you will change the method, you may apply housing loan examination.


We recommend that you try again. If you think so, we will take your consultation.


If you want to take your consultaion, please check this.

GUIA DESIGN OFFICE


We will advie your request. Please feel free to contact us.