Credit cards are usually divided into installments. As long as they have been paying on time and there has been no overdue repayment, their credit record in the bank has always been good. This situation will not affect the application for mortgage.

Providing a good credit certificate, proving that you have enough repayment ability, or choosing to mortgage the purchased property, will help to approve the housing loan.

Personal self-occupied housing loan application process:

1, choose the property you are satisfied with;

2. Confirm the qualification of the developer and whether the built property has bank support to ensure the smooth acquisition of mortgage loans;

3. After signing the pre-sale and sales contract of commercial housing with the developer, initiate a loan application. After the bank examines and confirms that the buyer meets the mortgage loan conditions, it will issue a loan consent notice or a mortgage loan commitment letter to the buyer.

Extended data:

Credit card installment payment

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.

Second, will the overdue credit card affect the loan to buy a house?

1, overdue credit card will affect your loan to buy a house.

2. Handling will be affected by credit reporting. The Regulations on Credit Management stipulates that the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

If you have a bad credit record, you can't get a loan and apply for a credit card within five years. Bad credit records can be deleted for five years before loans can be made.

4. Ms. Chen, who works in a public institution in Beijing, is going to buy a house with a loan. When she goes through the loan mortgage formalities with great joy, she is told by the bank that her personal credit is poor. After the bank refused to give her a loan, it was found that Ms. Chen handled the credit card business three years ago. At first, she didn't know, and the overdraft amount was large, which was overdue for several months. There is still a bad record of overdue overdraft for too long. Miss Chen suddenly realized that the consequences of swiping her card at will three years ago have now become the "culprit" that hinders her from handling loans.

5. Experts analyze the impact of bad credit card records on loans. As early as 2006, the personal credit information database of China People's Bank has been started and gradually upgraded. Now all the banks in the country are connected to the internet. Bank credit card customers or borrowers who maliciously default, overdraw or have bad repayment records will be recorded in the database.

Third, if the credit card is overdue for many times, it will affect the credit. Can't I borrow money to buy a house in the future?

If the frequency is small, the general bank will consider lending, and the other is "forbidden", so there is no hope. In principle, banks will refuse to lend money only if other nk.money.hexun.com/2527695.shtml offices are overdue for more than six times. The reporter consulted the staff of the personal credit department of China Bank and China Construction Bank, and was told that it is impossible to get a loan with only one credit report. There are six overdue payments on the statement, and our bank probably won't give you a loan. This is a big principle. The staff of the Housing Information Department of Dongsi Sub-branch of CCB told the reporter. "Looking at this credit report alone, I can't answer whether I can get a loan. I want to consider the down payment of your house, where the house is, the realized value, personal income, work unit, the policies of commercial banks at that time, and the policies of the People's Bank of China and many other factors. But if it is overdue for six times, it will definitely not work in our bank, said the staff of the personal credit department.