The Pain of Applying for a New Loan: When Banks Only Lend to the Wealthy, How Can You Become a Popular A-list?

Work for four children, and then buy a room for yourself. Xinqing'an housing loan seems to be a moral government, why have banks in Taiwan frequently refused to lend in the past year? From the perspective of banks, this article provides a set of systematic strategies to make you from a passive "loan applicant" to an active financial brand, becoming a customer that banks cannot refuse. (Synopsis: Housing loan money shortage intensifies" Buy 20 million real estate with an annual income of at least 2 million yuan, and the bank is willing to provide 80%) (Background supplement: How to carry a 10 million mortgage with a monthly salary of 30,000? The proportion of the whole Taiwan is 12%! Ministry of the Interior: The Golden Dragon Tsunami is effective in hitting houses) Everyone understands the M-shaped society, and if you apply for a loan for Taiwan's current "New Qing'an", you will definitely understand the taste of it better. The Taiwanese government rolled out the red carpet called "Youth Start a Family with Peace of Mind", which is intended to guide young people to a stable future for homeowners, but many confident applicants find themselves stepping on the carpet at the bank counter, saying thank you for coming back next time. Housing market expert Ho Shichang recently hit the nail on the head on a public program: "The reasons for the breakup are all fake, only the breakup is true." This sentence accurately captures the collective confusion of applying for a mortgage today. When a bank rejects a plausible loan application for bizarre reasons, the real subtext behind it is about "how financial credit is quantified, how risk is priced," and who wins in the resource crunch game. Let's understand the eyebrows of home loans, stop being a passive waiter, and be a bank customer who can take the initiative. The policy is downwind, why hit the headwind of the bank? In the era of high housing prices, the rulers hope to lower the threshold for the younger generation to buy houses by providing preferential loan conditions (such as high percentage, long-term and interest subsidies), so as to promote social stability and intergenerational justice. This is a strong policy tailwind, which should theoretically allow countless first-time buyers to set sail smoothly, in fact, at the beginning, brave people do have a high rate of overeating. However, policy has hit the headwind of banks' "business rationality". What is the essence of banking? It is not a charity or a government executive unit, but a for-profit enterprise accountable to shareholders and depositors. Its core business is based on risk control to achieve "profit maximization", and the current water level of the mortgage market is low! This means that the total amount of money available for banks to lend is limited. The reasons behind this are complex, including macroprudential measures by the authorities, conservative expectations of the future economic outlook, market movements caused by US tariffs, and so on. This creates a fundamental contradiction: the government wants banks to lend widely to young people in need, while banks want to precisely lend limited funds to customers who are least likely to have problems and even bring more added value; The conflict between the two has become the current mortgage chaos. We can compare the new Qing'an to a banquet held by the government, and the government has issued a large number of invitations (the new Qing'an program), hoping that everyone can be full, at least eaten. However, the chief shopkeeper (bank) in charge of the catering found that the top ingredients (the amount of funds) in the kitchen were limited. What does the shopkeeper do to ensure the quality and reputation of the desk? He doesn't serve the dishes equally, but gives priority to the best dishes to the VIP VIPs who dress most decently and sit at the main table. As for the other guests, he may find some reasons to prevaricate, "the ingredients just ran out" and "there was a small problem with the stove", these reasons are false, only the result of "can't serve you" is true. Therefore, when a friend who earns more than NT$1 million a year (and we all have such friends) is asked to apply for a higher interest rate or a lower percentage, or even refuses, he is not facing a denial of personal qualifications, but a normal strategy of the bank when resources are scarce. Instead of questioning that he "can't afford it", the bank assesses that "among many applicants, you are not the object of dividing the capital level" Build your "financial brand" for the mortgage After understanding the above systemic friction, we can understand that the application threshold of Xinqingan has long been insufficient to guarantee success. Applying for a mortgage is already the result of an individual's "financial reputation brand". To get a loan, you need to shift from one-time "transaction thinking" to long-term "brand thinking" and build yourself into an A-grade asset that banks can't refuse. As I happened to have read marketing, a top brand needs to have three core elements: clear brand positioning, rich brand equity, and impeccable brand reputation. This corresponds to the three pillars of mortgage review. 1. Brand positioning: your career stability and future Brand positioning answers "Who are you?" In the eyes of banks, the ideal positioning is "low risk". This explains why professions such as military public education, doctors, and employees of top 100 enterprises are favored by loans. Recently, the mortgage program even mentioned that the current bank will even know whether the teacher works in a public or private school, which is to assess the long-term stability of your "brand". Therefore, do not easily change jobs before applying for a mortgage, unless you are jumping to a company with a better reputation and higher income. It's like a well-known brand that doesn't suddenly change its core logo and consumer market positioning before launching a flagship product. The bank looks at what you have behind you, and if you don't have a prominent family background, Dad's listing on Wikipedia is based on your job title and company. 2. Brand Equity: Proof of Your Diverse Wealth Brand equity answers "What do you have?" This is not only your monthly income, annual income, what the bank wants to see is a three-dimensional, diversified and thick asset portfolio. Deposits, stocks, gold, insurance policies, and even your parents' property as collateral all show the bank the overall value and resilience of your "brand". This is very similar to the distribution of luxury goods, if you want to buy a limited edition Birkin bag (ideal mortgage conditions), you often need to spend a lot of non-popular goods (deposits, financial management, credit card transactions) at the brand first. It is rumored in the banking industry that if there are friends with more than 2 credit records and repayment records on time, there is a greater chance of passing a mortgage, which is like constantly "disposing" for his brand before applying for a loan, accumulating records of transactions with the bank, and finally successfully getting the "package" he wants. Accumulating your own asset diversification is not a matter of one day or two. Why do today's young parents encourage their children to learn about financial management from an early age? Because you have multiple assets, the bank will think that you are in front of a customer who understands money and will pay back. 3. Brand reputation: your credit history Credit answers "How did you perform in the past?" C Da, the manager of the "CWC Financial Business Lecture Hall", once said that he had a friend with a deposit of up to 8 figures, just because he paid a card fee of 4,000 yuan abroad, which affected the mortgage conditions. This shows that in the eyes of the bank, there is no "small matter" in the credit record, and any late payment is a public bad review of the personal brand reputation, which is enough to overshadow all the bright assets. So remember, paying off all your lines of credit before applying for a loan and keeping a perfect payment record is the most important reputation management for your brand. The most accustomed credit card (loan financial product) must not be late, or use revolving interest. It is recommended to bind an account with enough deposits for a long time to automatically withhold, if it is really late, please do not hesitate, immediately make up the full amount and call the bank customer service, indicating that you are not intentionally late, please kindly ask the customer service to help you "eliminate" the late payment record, of course, this method can not be abused. If you want to cultivate credit, you have to borrow first and then pay back. If there is a loan to repay on time, it will be easier to borrow again. Deciphering the subtext of banks Many people who apply for mortgages ,...