Spread out completely

There are two ways to pay more:

One is to repay a loan at one time and then recalculate the remaining principal and interest. You can choose to keep the original repayment period, so that you will have less money every month, or you can choose to pay the same amount every month, so that the time will be shorter.

The second is to negotiate with the bank to repay more every month, so the term is short.

I have two credit cards, and I pay the minimum amount every month. It's not expired. Does this affect my mortgage?

I have two credit cards, and the monthly repayment is the lowest. It's not expired Does this affect my mortgage? It doesn't matter much, so it's better to pay it off at one time. Because you have paid the minimum repayment amount many times, when you buy a mortgage, you will think that your repayment ability is not very strong. Hope to adopt.

The credit card of the mortgage guarantor is overdue by 2000 yuan. Does it affect my mortgage? No, it was two people. On the other hand, the explanation of the credit card on the first floor is wrong. The overdue credit card will affect the cardholder's personal credit information and the approval of his personal loan.

Does the overdue credit card affect the future housing loan? Some small overdue loans are harmless! You can check personal credit information! This is my housing provident fund loan! Note: 1. The personal credit information system inquires that the loan is overdue for 6 consecutive times or accumulated to 18 times; 2. The overdue amount of the unpaid credit card within 2 years is less than 2,000 yuan, and the overdue times have reached 6 consecutive times or accumulated to 12 times (except for the annual fee that is overdue and has been settled with a bank certificate); 3. The overdue amount of the outstanding credit card is more than 2,000 yuan (inclusive) within 2 years, and the number of overdue times exceeds 3 times in a row or reaches 9 times in total; 4. Loans and outstanding credit cards (within two years) are overdue 18 times (inclusive) and cannot be loaned.

Does the overdue payment of credit card arrears have an impact on housing loans? Hello, according to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot tamper with them. When you handle the loan business in the future, the loan bank will refer to your credit history comprehensively, not just for a certain period of time. If you apply for a personal housing loan in our bank, the approval is based on the comprehensive evaluation of the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets. It is recommended that you provide relevant application materials and contact the loan handling bank for detailed verification. If you have any other questions, I suggest you consult "online customer service": forum. cmbchina。 /CMU/icslogin.aspx？ From=B2) It has stable professional and economic income, good credit and the ability to repay the loan principal and interest; (3) A house purchase contract or agreement has been signed. If you purchase an auction house (the main structure of multi-storey houses must be capped, and high-rise houses must complete two-thirds of the total investment) or houses that have not been confirmed, you should provide complete housing construction and sales documents; 4) Must pay the down payment of the purchased house that meets the requirements of relevant regulations; 5) Provide effective guarantee recognized by the lender; 6) Other conditions stipulated by the lender. Because there are some differences in different regions, please consult local institutions in detail when applying for loans. If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business. China Bank Online Customer Service:: 95566.boc./ZIM/ Mobile Banking Download:: Bank of China. /EBanking/Service/CS 1/20 1009/t 20 10092 1 _ 165438。 Regional setting =zh

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.

It depends on whether there is a bad credit record. If you have a bad credit record, you can't lend for five years. If there is no bad credit record, it will not affect the normal loan. Credit stain: also known as bad credit record. It belongs to the restricted category of personal credit records. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, that is, credit stain. Different banks have different approval standards for personal credit records. With the change of time, consumers' economic situation and repayment situation will also change, and banks will not always pay attention to consumers' early bad credit records. On 20 12 1 1.2, the central bank confirmed that the new version of personal credit report had been launched, and credit cards and loans overdue before 2009 10 were no longer displayed, and overdue records were kept for five years thereafter, which meant that citizens' negative overdue records were no longer accompanied by their lives. If they can repay in full and on time within five years, their credit will be cleared.

What will happen if the credit card is overdue for more than 2 months without repayment? Does it affect the future mortgage? Yes, usually there will be a bad credit record, and you won't get a loan in the future. The consequences of overdue credit cards are as follows: 1. Bank Credit Card Banking Center will charge late fees and interest: 1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum charge is 10 yuan RMB or 1 USD. At the same time, the bank will charge five ten thousandths of the interest every day. Second, it affects credit 1. If it is overdue within one month, it shall be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota; 2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future; 3. After a certain amount and time, the bank will freeze the credit card.

Do I have a credit card to buy a house loan? If it is a credit card of China Merchants Bank, according to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot be tampered with. If we have used our credit card before, we will not make any bad comments on the use record, but only truthfully feedback the historical use record without any subjective judgment. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. Relevant departments will generally give priority to recent consumption and repayment records when handling new business.

Third, does it affect me if someone leaves my phone number with an iou?

Legal subjectivity:

It is illegal for others to leave my phone number to borrow money. I should explain it to the lending institution and cancel it. Personal information of natural persons is protected by law. Any organization or individual who needs to obtain other people's personal information shall obtain and ensure the information security according to law, and shall not illegally collect, use, process or transmit other people's personal information, or illegally buy, sell, provide or disclose other people's personal information.

Legal objectivity:

Article11of the Civil Law protects the personal information of natural persons by law. Any organization or individual who needs to obtain other people's personal information shall obtain and ensure the information security according to law, and shall not illegally collect, use, process or transmit other people's personal information, or illegally buy, sell, provide or disclose other people's personal information. Article 112 The personal rights of natural persons arising from marriage and family relations shall be protected by law.

4. Can I still get a loan after checking 40 times a month?

1. Let me first introduce the corresponding concept, personal credit information: it refers to collecting credit information of legal persons and other organizations in China according to law and providing personal credit reports in China to the outside world. Generally speaking, we can't check our personal credit information too much, which will have an impact on the later loans. In another year, you can check it twice, and you will be charged if you exceed it.

2. According to the description of the problem, check the credit information 40 times a month, with an average of 1.333333 times a day, not including those lending institutions that did not check the credit information. This is equivalent to getting a loan every day, either for the loan or on the way to the loan. This is only for bonus hunter, so lenders will naturally choose to refuse loans.

3. When applying for a loan, many lending institutions need the user's authorization to inquire about the credit, that is, every time they apply for a loan, as long as the credit inquiry authorization is checked, the lending institutions will inquire about the user's credit.

4. At the same time, regular lending institutions have relatively high requirements for credit reporting, depending not only on overdue conditions, but also on users' own credit reporting records, so they cannot conduct credit reporting frequently ~