1. Do you need a personal credit report for a home purchase loan?

A home purchase loan generally does not require the borrower to print a credit report and provide it to the bank. Banks and formal lending institutions are connected to the central bank's credit reporting system. Borrowers only need to sign a letter of authorization for credit reporting when applying for a mortgage. Afterwards, banks and lending institutions will check the borrower's credit reporting on their own.

Of course, if you are worried about your credit, the borrower can also go to the local People's Bank of China Credit Reference Center to check the credit report and print it out (directly log in to the People's Bank of China Credit Reference Center before applying for a mortgage) Check the official website of the letter center, and then download the report and print it) to see where the problem is specifically.

In fact, banks and lending institutions generally have regulations on the information that needs to be provided when applying for a mortgage loan, so borrowers only need to prepare relevant information in accordance with the regulations of the lending bank or lending institution. If you are not sure what specific information you need to prepare, the borrower can call and consult with the staff of the lending bank or lending institution.

As we all know, personal credit is equivalent to everyone’s credit pass today. It records each of us’ personal past credit behaviors, and these behaviors will affect our future economic activities. Especially because the online loan is overdue and has a bad credit record on the credit report, whether it is a car loan or a credit card in the future, it may be rejected.

Just search: Blue Ice Data. Click Query and enter information to query your own Baihang credit data. This data comes from online loan platforms and UnionPay across the country. Users can query their own big data and credit status, obtain various indicator data, and query their own Personal credit status, blacklist status, online loan application records, application platform types, online loan credit limit estimates and other important data information.

In short, the consequences of being overdue for an online loan are very serious, so if you borrow an online loan that is subject to a credit report, you must repay it on time and don’t overdue it easily, otherwise you will be overdue. If you have a bad credit report and there is a stain on your credit, it will take five years to "cleanse" it after you pay off the debt. And if you never repay the debt, the stain on your credit will follow you for a lifetime.

2. Do you need a credit report for a house purchase loan?

Yes. A home purchase loan is generally a large loan amount. In order to ensure the safety of the funds released, banks will refer to the credit report of the loan applicant. If the borrower's credit status is good, and the monthly repayment record is stable and there is no overdue payment, then the borrower's credit report is good, the risk of fund lending is relatively low, and the probability of bank approval will be higher. If the borrower has major credit problems or no credit record, the bank will consider the borrower's repayment risk to be greater, and the approval rate will be lower.

3. Do you need a personal credit report for a house purchase loan?

A personal credit report is required. The query method is as follows:

1. Go to the homepage and click Internet Personal Credit Information service platform.

2. After entering, click login, fill in the login name and password, and click login.

3. Perform identity verification. Users who choose the bank card, digital certificate or mobile finance IC card verification method can obtain the verification results in real time; if they choose the question verification method, they will receive the verification results via text message 24 hours after submitting the application. If you fail identity verification multiple times, you can use other verification methods or go to the local People's Bank of China branch to check your credit report on-site.

4. Submit an inquiry application. The platform provides three product services: personal credit information reminders, personal credit information summaries, and personal credit reports. The personal credit information prompt prompts the registered user in one sentence whether there is an overdue record in the personal credit system in the past five years; the personal credit information summary shows the registered user a summary of his or her personal credit status, including credit records and company records. and summary information of inquiry records; personal credit report displays the basic situation of personal credit information for registered users, including detailed information of credit records, partial corporate records and inquiry records.

5. Get query results.

After the credit information product is processed (usually on the second day after the inquiry application is successfully submitted), the platform will send a text message containing the identity verification code to the user. Users can log in to the platform and use the identity verification code to view the query results within 7 days of receiving the identity verification code.