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Reporter Chen Weifan / Taipei
The annual income is about 2 million, but the bank refuses to lend when it tries to buy a house! Huang Guiwen, manager of the Yonghe Zhongzheng store, said that he recently encountered a Taiwanese businessman who made a lot of money from China and returned to Taiwan. I wanted to buy 3 rooms in the Renai Special Zone in the Yonghe district, New Taipei city, and the total price was around 3,000. , Leaving Taiwanese entrepreneurs quite defenseless.
▲ The Taiwanese businessman wanted to buy a small 30 million mansion in the Yonghe Renai Special Zone, but the bank refused to lend. (Photo / Reporter Chen Weifan Photography)
Huang Guiwen said the Taiwanese businessman’s monthly income ranges from 150,000 to 200,000, and the annual income is approximately 2 million. Due to its repayment capacity, the loan should be about 20 million. It was thought that such a high income, the mortgage is easy. As a result, the bank reached the confirmation stage of the final transaction, but refused to do so.
▲ Taiwan entrepreneurs have been doing business abroad for many years, and domestic credit card bills have a record of late payments. (Outline / Photographer Xu Yahui Photography)
After comparing the reasons for denial with the bank, it was discovered that due to long-term overseas business of Taiwanese business, the bill payment is automatically deducted by credit card, but Taiwan has no family or friends to pay. Raw records, insufficient credit score.
▲ The Taiwanese businessman can only continue to seek loans from other banks or directly trade in cash. (Outline / Photographer Chen Weifan)
Also, due to working abroad, there is no certificate of income in Taiwan. Even if the annual income of Taiwanese entrepreneurs exceeds 10 million, for the bank, people who are equal to zero income cannot repay loans. Currently, they can only continue to search for other banks. Additional communication, or choose cash transactions.
▲ The “stable income” ethnic group is the ideal customer in the bank’s mind. (Outline / Photographer Chen Weifan)
Chen Jieming, director of the housing relationship, said that for banks, “stable income” is the quality of their clients, such as military teachers, 500 employees, doctors, lawyers, accountants, architects and other professionals. Ethnic groups belong to this category, as long as there is a stable salary income certificate, they are quite popular.
▲ Yonghe used to have a vegetable vendor stall in the past. Because the bank denied him a loan, he had a record of buying a home in tens of millions of dollars in cash. (Outline / Photographer Chen Weifan)
The Taiwanese businessmen mentioned above are not really a special case of loan denial. In the past, Yonghe also had a vegetable vendor who had broken down more than 100,000 yuan a month and wanted to buy a home to take care of himself. Have ten million in cash directly to buy a home.
▲ Chen Jieming suggested that maintaining a bank without bad records would have a certain effect on the credit score. (Schematic / data photo)
Chen Jieming suggested that this type of wealthy person does not, in fact, have a mortgage solution. If there is a fixed relationship with the bank, such as long-term live customers, and deposits hold hundreds of thousands or even millions of yuan for a long time; credit cards pay on time. There are no bad records, they have a certain effect on the credit score.
When you need a mortgage, you can apply directly to the bank. Because the bank is more familiar with the financial situation of customers who have long-term financial flows, at this time, not only is the probability of approval higher, but it is also possible to earn a better interest rate and percentage. avoid the shame of being free of wealth and income, but be considered a “loan refusal”.
