Having used Weilidai for several years will it have any impact on your mortgage loan?

Users have been using Weilidai for several years. As long as there are no overdue records, there will be no impact on the mortgage loan. Weilidai is a small-amount loan, and banks have a high degree of recognition for small-amount loans. When applying for a home loan, there is a record of on-time repayment of small-amount loans in the credit report, which can help users pass the home loan review. As for the Weili loan that has been paid off, it will not affect the housing loan.

And when applying for a mortgage, Weili Loan affects the user's repayment ability. The bank will let the user pay off the Weili Loan balance before applying for a mortgage. Can I get a mortgage after I have paid off the Weili Loan multiple times?

1. If the user has paid off the Weili Loan multiple times, it will not affect the mortgage application because only the on-time repayment will be retained in the credit report. The record of repayment, and when applying for a mortgage, the bank found that the user repaid the loan on time, indicating that the user has a strong repayment ability and willingness to repay. This is also conducive to the approval of the mortgage application, but whether the mortgage will ultimately be passed The review depends on the bank's review results.

2. It should be noted that if Weilidai has overdue repayments during the repayment period of multiple Weilidai, personal credit will be affected.

3. This will affect the mortgage application, because it is very important to apply for a mortgage credit. Once there is a problem with the credit, it will be difficult to pass the mortgage application. Will borrowing a microloan and paying it off affect my mortgage?

This is not necessarily the case.

If the personal application information submitted can show that the individual’s comprehensive qualifications are relatively good (work, income, and personal credit are relatively good), and the applicant has applied for a number of borrowing micro loans, then he or she can apply for a housing loan after paying off the loan. Still not a big impact.

However, my personal comprehensive qualifications are average, and I have applied for many small loans recently. Even if I pay them off, it may affect the approval rate and loan interest rate, because banks pay more attention to applicants who have been re-approved in the past 1-2 years. credit record, so if you are really worried, you can apply again after a while.

If you are anxious to apply next month, it is best to go to the bank to apply for a mortgage with the settlement certificate from the Jiebei Weili Loan. Will Microloan affect my mortgage?

It will have an impact, but not very much. If you already have a consumer loan and have not repaid it, when you want to apply for a mortgage loan, the institution will comprehensively evaluate your repayment ability. The approved amount may not be very high, and the repayment period may be a bit long. This is not very certain. The application standards for mortgage loans in different regions are different. You can go to the specific real estate agency for consultation, but it will not be affected if you have paid it off, because you mortgage your house to the bank for the mortgage. As long as the bank's credit report is good, it will not be affected. Can.

Extended information:

Creditability refers to the degree of compliance and trustworthiness of transactions as reflected in social reputation, economic conditions, performance of commodity transactions, etc. The purpose of the credit assessment between the buyer and the seller is to gain an in-depth understanding of the seller by examining the seller's social behavior, economic strength, and compliance with the contract, so as to provide a basis for determining whether to establish a customer relationship and make a decision.

A person’s social credit is directly related to the integrity of the transactions in which he or she engages.