The banks which offer pre-approved loans usually are the ones where in actuality the consumer has recently their wage/ saving otherwise every other account so they really may have an idea towards money inflow and/or outflow.Being preapproved towards a loan doesnt guarantee you will actually get the loan. That the pre-approval always have such thingsStating you meet the requirements the approval of the loanThe stipulations which you're getting the mortgage. This Might contain the interest rates, their repayment schedule furthermore whatever supporting papers.