The requirements of applying for a mortgage for a credit report are reflected in the credit report. For three consecutive months and six consecutive months, it means that there is no repayment for three consecutive months, or there are six months of overdue records, which is a serious overdue situation in the credit report. It is basically difficult for buyers who have been tired for six months to apply for housing loans. Once there is a bad debt record in the credit report, it is basically out of touch with the mortgage.

Banks need to inquire about the past credit records of buyers when approving housing loan applications, and the specific inquiry time depends on the bank. The longest retention period of credit records is 5 years. Banks generally check the credit status within 2 years, and banks with strict risk control may also check for 5 years.