1. Student loans with bad records and house loans

It depends on how bad the loan is. You can check your credit report to see if it is serious.

General credit will affect the interest rate when you buy a house loan. If you have poor credit, it is difficult to get a preferential interest rate

2. Will overdue student loans have an impact on the mortgage for buying a house?

It has an impact. \Student loans are listed on the credit report, and overdue records of student loans will also be displayed on the credit report. When buying a house with a mortgage, you need to check your personal credit report. \Late repayment has a bad record and you want to buy a house with a mortgage. In this case,\first of all, the bank will not refuse the loan immediately, but will judge whether to lend based on the number of overdue payments and the length of time. For example, when a consumer applies for an unsecured credit loan from a bank, the number of overdue loans does not exceed the relevant regulations (generally the regulations are: no more than two overdues in the past three months, no three times in the past six months, and no four overdues in a year). Personal income It is relatively stable in other aspects, and banks will lend money. \Secondly, if your credit record has been overdue for three periods, whether you apply for an unsecured or secured loan product from the bank, the success rate of getting a loan will be low. You can only repay the overdue amount as soon as possible to re-establish a good credit record. , two years later you will be eligible to apply for a bank loan. The reason for this is that general credit records only show the past two years in the credit report. If you maintain good repayment habits within two years, after two years, the new credit record will refresh and replace the old negative record. \Finally, for user groups who are eager to use money, the above method will not work. Only by applying for loans from institutions other than banks can you meet your needs. It is understood that some companies or guarantee companies have relatively relaxed many application conditions. For example, on the premise of repaying the debt, you can get a loan through mortgage or pledge or if there is no bad record within six months. But relatively speaking, its interest rate is higher. \A good personal credit report is very important. Generally, the credit report is updated every 5 years. After overdue records are generated, good credit records should be maintained within 5 years. After 5 years, those bad records will be deleted and updated, and they will not be updated after 5 years. Will affect personal loans, etc.

3. If my student loan has a bad record, can I get a loan to buy a house?

It is difficult to apply for a house loan if student loans are often not repaid. General bank requirements for credit reporting: no overdue payment currently, no overdue payment twice within half a year, no three consecutive times within two years, and a total of six missed payments on time.

The process of mortgage loan:

Select the property;

Confirm whether the property built by the developer is supported by the bank to ensure the smooth acquisition of the mortgage loan;

Apply for a mortgage loan;

Sign a house purchase contract. After the review confirms that the home buyer meets the conditions for the mortgage loan, the home buyer will be issued a loan consent notice or a mortgage loan commitment letter;

The home buyer can sign the "Commercial Housing Pre-sale and Sales Agreement" with the developer or its agent. Contract";

Sign a building mortgage contract. Clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations;

Process mortgage registration and insurance. Under normal circumstances, because the mortgage loan period is relatively long, in order to prevent loan risks, banks require home buyers to apply for life and property insurance;

open a special repayment account;

and After completing the relevant procedures, the loan will be transferred to the developer's bank supervision account at the bank at one time as the purchase price of the home buyer;

The borrower will repay the loan regularly in accordance with the contract.

4. The bad records of student loans and house purchase loans 1 are more serious. If this situation occurs in the five major state-owned banks (Bank of China, Bank of Communications, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China), it is estimated that it will be difficult to get a loan. Please consult other commercial banks. , some may ask to increase the down payment ratio, or increase the loan interest rate, or pay

2. If you take a loan in your wife’s name, you will definitely encounter the same problems, because when a couple buys a house, the bank will also refer to other of a person's credit.

Bad records may not be eliminated after 3.5 years. I paid off my student loan in June 2006, and it still exists now.

The above, I hope to help you, my student loan is also overdue, more times than yours, but my loan approval is coming soon.

The personal credit report I checked with the People's Bank of China in December 2011 showed that the loan had been paid off, but the bad records were still showing.

My overdue loan is 11 times. Today, China Everbright Bank notified me that the loan was approved, but I have to pay a deposit of 40,000 and freeze it for 1 year. It’s sad. I originally thought that since the bad record had been for more than five years, it wouldn't matter much, but the bank said that as long as it is shown in the credit report, the bank will refer to it. There is no other choice but to pay a deposit, which is better than breaking the contract.

I took out a loan to buy a house in Shanghai. There will definitely be no interest on the deposit. I haven't gone through the specific process yet.