You can get a loan after divorce, and there is no time limit by law. When a married person applies for a loan, the bank checks the credit record on a household basis. During the marriage, the bank will examine myself and my spouse during the examination, and the spouse's bad credit record may affect the loan application. Even if the loan is made in the name of one spouse, the lender has a good credit record, and if his spouse fails to repay the loan many times, the bank will be more cautious when lending. However, after the divorce, as long as the property and debts between husband and wife are handled clearly, the original credit investigation will not affect the loan.
1. What conditions and documents are needed for housing loan?
To borrow money to buy a house, the basic conditions that customers need to meet are:
1。 18 years old or above, with full capacity for civil conduct.
2。 It has a legal and stable source of economic income and the ability to repay the loan principal and interest on schedule.
3。 Personal credit is good, and there is no bad record in the recent credit report.
4。 If you apply for a provident fund loan, the customer must also pay the provident fund in full and on time for six months, and the status of the provident fund account is normal, and there is no outstanding provident fund loan under his name.
The documents to be prepared mainly include: personal ID card, household registration book (such as married couples applying for mortgage, marriage certificate, spouse ID card), down payment receipt, economic income information (such as bank running water), and assets and financial information (such as certificates of deposit, automobile driving license, etc.). ).
In terms of formalities, the customer fills in the loan application form through the real estate developer and submits the form together with the above information to the bank. After the bank accepts the customer's loan application, it will begin to review, arrange relevant personnel to look at the house and evaluate the value of the house. After approval, the customer will be informed to sign a loan contract, register the house for mortgage, and then lend money.
2. Does the overdue credit card affect the housing loan?
Overdue credit cards are likely to affect your future mortgage. Banks will refer to the number of overdue loans of individuals in the past two years when approving loans.
According to the degree of overdue credit, it can be roughly divided into the following two situations:
1. Only one or two credit cards have expired. In this case, banks generally will not refuse to lend, but may raise the loan interest rate appropriately.
2. The credit card is overdue for three consecutive times or six times in two years. If there are three overdue records in two years, or six overdue records may be refused.
The bad record of overdue cards will be retained by the central bank's personal credit information system for five years, and it may be difficult to apply for loans within these five years.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 1076 of the Civil Code of People's Republic of China (PRC)
If the husband and wife voluntarily divorce, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office. The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.
Article 11 of the Interim Measures for the Administration of Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.