1, seriously overdue record. Overdue records are bad records. If there are overdue records in personal credit reports, credit reports can easily become bad credit reports. However, if there are only a few overdue records with small amount, short time and timely repayment, the impact of handling mortgage loans will not be great for banks with lax credit requirements. If there is a serious overdue record of "three consecutive days and six consecutive days", that is, there are new overdue records for three consecutive months, and the accumulated overdue records reach six times, or the overdue time turns into bad debts, then you can't apply for a mortgage or borrow money to buy a house.
2. There are high debts. Personal loan amount, usage amount, repayment amount and other loan record details will be displayed in the credit report, and banks can know the borrower's debt ratio and amount and the number of times to apply for loans through credit reporting. When the bank finds that the borrower's debt is high, even exceeding 50% of personal income, it will judge that the borrower's repayment ability is insufficient and refuse to provide mortgage. Therefore, in the use of the loan amount, don't have too many high bills, try to use the loan within your own ability, repay the loan on time, and settle the loan in time.
3. There are too many credit inquiries. The number of credit inquiries will also affect personal credit. A large number of credit inquiries show that borrowers have suspicious credit and often apply for loans, which has certain repayment risks. If there are multiple personal credit inquiry records in a short period of time, such as four times a month and more than six times a month, it will be difficult for borrowers to obtain bank loans and loans to buy houses.
4. The credit account status is abnormal. Personal credit account has five states: normal, concerned, secondary, suspicious and loss reporting. If the credit account is marked as abnormal, it will be difficult to apply for a mortgage loan.
5. There is a violation record. The credit report not only records the loan information, but also shows the details of the borrower's public information, including tax arrears records, execution records, civil judgment records, administrative punishment records and so on. If the borrower violates the law and appears in the public information column of the credit report, then the personal credit will also be damaged, resulting in the inability to obtain a mortgage.
When banks review mortgages, they will generally focus on the credit information of users within two years. If there are bad records in the user's credit report, users can consider delaying the mortgage application time to maintain personal credit, and try not to apply for high loans during this period.