Commercial banks are self-financing financial institutions, and each commercial bank has different risk control regulations. If a borrower fails to apply for a personal housing loan in one bank, he can apply for a personal housing loan in another bank.
If there is no credit record in the credit information column of the personal credit report and the repayment record is "n", the borrower can apply for a credit card at the bank first, and then apply for a personal housing loan after using the credit card for a period of time.
If there are overdue records, tax arrears or court and administrative punishment records in the personal credit report, the borrower needs to deal with these adverse events. After the termination of adverse events, the bad credit records in the personal credit report will be automatically eliminated within five years. As time goes by, the impact of bad credit records on loans is getting smaller and smaller.
If there are credit records and no bad credit records in the personal credit report, but there are too many inquiry records, the borrower needs to wait for a period of time before lending, usually between three months and six months.
What is the role of buying a house with a loan?
1, personal basic information; Personal basic information includes name, gender, age, work unit, contact address and other information used to identify individuals.
2. Bank credit; This meeting will list each credit card and loan business in detail, and show the past debt history of the credit recipient in detail. Credit institutions and credit banks often analyze consumers' behaviors and consumption preferences from this information, and judge their future repayment ability from their past repayment willingness.
3. Non-bank credit; Record the payment of consumers in communication, water, electricity, coal, etc., such as whether the mobile phone is in normal use and whether the public utilities are in arrears.
4. Objection record; When the respondent thinks that the content reflected in the report is controversial, it can be reflected in this part by adding a statement. Individuals have the right to raise objections, which reflects the protection of their legitimate rights and interests and is also an important way for credit reporting agencies to correct and update information.
5, query records; Query record refers to the summary of all the queried records of an individual in the last 6 months. If there are too many inquiry records, and there is no record of issuing cards or lending during this period, the bank will feel that the qualifications of the parties being investigated are not good, which will affect the handling of loan applications and credit cards in the future.