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Getting a loan is not a lottery, it\u2019s a choice!
It\u2019s not whoever comes first that can borrow money, but whoever is \u201cmost worthy of borrowing\u201d.
This is a silent competition. It is not based on drawing lots or how urgent your need is. It is based on how safe and trustworthy you are in the eyes of the bank.
Many people wonder: "I have a regular income, no outstanding credit card debt, and a good job, so why won't the bank give me a loan?"
The reason is actually very simple: "You are qualified, but not the first choice."
Imagine if the bank only has ten funds, but a hundred people apply for them, who will get priority?
Of course, it is those who have high income, many assets, perfect credit records, and close relationships with banks.
This phenomenon is not unique to Taiwan. The global financial system is inherently centered around "risk," and whoever has lower risk has an advantage.
If you don\u2019t believe me, go ask the doctors, civil servants, and engineers at big tech companies. It\u2019s usually much easier for them to apply for a mortgage than it is for you.
The real question is not why the bank doesn\u2019t lend, but are you ready?
In this era of limited resources and harsh conditions, income alone is far from enough.
You have to convince the bank that they won't regret lending you money and that they expect you to be a long-term customer.
Instead of complaining that banks are too realistic, it is better to think about it from another perspective. How can you make yourself the person that banks are eager to cooperate with?
The key lies in three things: job stability, financial integrity, and credit integrity.
1. Is your job stable in the eyes of the bank?
Some professions may seem glamorous, but are actually not stable enough in the eyes of banks.
For example, freelancers, entrepreneurs, or those working in industries with large income fluctuations may earn a lot, but because their income is unstable and difficult to predict, banks will wait and see.
Relatively speaking, doctors, military personnel, civil servants, employees of large companies, and even teachers (especially in public schools) are considered to be "low-risk" individuals.
This also means that if you plan to apply for a loan, please avoid changing jobs or frequently switching jobs during a critical period. Even if the new company offers a higher salary, it may be considered unstable due to the "job change period."
2. What are the facets of your assets? Banks want to see the whole picture.
In modern society, banks look at diversified asset allocation when applying for home loans.
Banks don\u2019t just look at your monthly salary; they care more about your overall financial health.
In addition to your savings, do you have any investments?
Is there any policy value?
Are there other assets that can be used as security?
The more diversified your financial structure, the more capable you are in dealing with emergencies, and the more comfortable banks will feel about lending you money.
Some people have never borrowed money and think they have good credit, but the bank cannot see your repayment record and does not know whether you are a person who "will repay the money".
Therefore, it is a very important investment to consciously manage the transaction records with the bank.
3. Does your credit score increase or decrease?
You might think it's no big deal if you're late paying your credit card, but your bank might think differently.
For financial institutions, a credit record is like a report card. No matter how high your annual income is, as long as there is a record of overdue payments, it will leave a stain.
If you have been late with your payment, remember to make up the payment and call customer service. Ask them to help you make a note explaining the situation. Sometimes there is a chance to have the bad record removed.
But the best practice is to develop the habit of automatic deduction, regular bill checking, and early payment, and manage your credit as an asset.<\/p>\n\n\n\n
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