When reviewing personal credit records, banks will focus on the credit records of buyers in the past two years. As long as the repayment is overdue, it will not affect the loan. For the credit records of the past two years, banks usually check them strictly. If the repayment is overdue for three consecutive months and accumulated for six months, the loan application will generally be rejected.
However, banks now have some flexibility in this regard. If the credit card repayment is overdue, the bank will also consider the specific circumstances, such as the repayment caused by the untimely deduction of the annual fee, or the extremely small repayment, which has little impact on the mortgage. However, if the mortgage is overdue, it will generally be inspected in strict accordance with the requirements.
Generally, different banks have different standards for checking credit records, and different branches of the same bank will have some differences, and joint-stock banks will be relatively relaxed. Therefore, after consulting several banks, we will see if any banks accept it. If they are rejected, we can only think of other ways.
In the face of some buyers with credit history problems, some companies will recommend guarantee companies to help buyers achieve successful loans, but not only will interest rates rise, but buyers will also pay a certain handling fee. Generally speaking, you basically need to pay a handling fee of 2% of the loan amount In other words, if the loan is 2 million yuan, in addition to the floating interest rate, you also need to pay a handling fee of 40 thousand yuan.
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However, some banks can give grace to some unintentional overdue situations. For example, China Merchants Bank can ignore the loan and credit card records that have been settled and cancelled in the name of customers for more than two years according to the actual situation. For small overdue records within 500 yuan, annual overdue credit card fees and short-term overdue records within 7 days, the number of overdue records may be excluded as appropriate.
In addition, customers should also beware of identity theft by others, and do not borrow others to handle credit cards or loans. If the credit record is bad, it should be borne by the customer himself.
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