Would you like to know if you can get a bank mortgage on the Internet? As network lending becomes more popular, many people are struggling. However, in applying for a mortgage, you will find that banks have strict restrictions on Internet lending

The bank agreed to a mortgage

First of all, you might want to know if you can make a network loan after the bank has approved your mortgage, and the answer to that question is yes, and you can apply for a network loan after the bank has approved it. Please note, however, that we do not recommend Internet lending before mortgage lending. The reason for this is that the bank will carry out post-credit management and that prior to the Internet loan, the bank may question your financial stability and ability to repay, which may lead the bank to stop lending or terminate the mortgage contract。

Second, Internet loans are usually micro-loans, and you can apply for them as long as they are modest. However, not all borrowers will be subject to post-credit scrutiny by the bank, but if your financial pressure is high when applying for a mortgage, you may be included in the subsequent management of the bank。

BANK RESTRICTIONS ON INTERNET LENDING ARE THREEFOLD. FIRST OF ALL, YOUR INTERNET LENDING PLATFORM MUST BE BANK-SANCTIONED, AND THE CENTRAL BANK OF CHINA HAS MADE IT CLEAR THAT ONLINE BORROWING CAN ONLY BE CONDUCTED BY A NETWORK LENDING INSTITUTION THAT IS REGISTERED AND REGISTERED WITH A BANK. SECOND, THE BANK WILL HAVE A CEILING ON THE NETWORK LOAN LINE, WHICH SHOULD NOT EXCEED 301 TP3T OF YOUR TOTAL MORTGAGE, IN ORDER TO REDUCE THE POTENTIAL RISK THAT YOU WILL BE UNABLE TO REPAY. FINALLY, IN VIEW OF THE LONG DURATION OF THE MORTGAGE AND THE HIGHER INTEREST ON THE NETWORK LOAN, THE BANK HAS ALSO MADE SOME PROVISION FOR THE DURATION OF THE NETWORK LOAN IN ORDER TO REDUCE THE BURDEN ON YOU。