Please rest assured that it is possible. Although it affects your credit information, it does not affect your buying a house.
According to your question, I found the following. If the mortgage is overdue, the credit investigation will produce overdue records. If you want to borrow money to buy a house, you need to distinguish what causes the overdue records.
1, overdue due to bank reasons. For example, there is a problem with the bank's credit card repayment system, which leads to your repayment not arriving immediately, but the bank fails to fulfill its notification obligation, then the applicant can ask the original borrowing bank to issue a non-malicious overdue certificate.
2. I am overdue for more than 6 times, but the repayment at other times is very good, and I can provide the bank with an explanation of the non-subjective reasons for not repaying on time. I can try to apply for proof of non-malicious repayment from the original issuing bank or loan bank.
The overdue repayment occurred two years ago. For overdue cases that occurred two years ago, banks generally do not count the number of overdue cases of applicants. However, if there are many overdue times two years ago, the bank will raise the applicant's loan interest rate or reduce the loan amount.
Credit requirements for buying a house with a loan
1, see the personal credit inquiry record.
Lending institutions mainly look at the borrower's credit card and loan approval records. If there are too many credit inquiries in a short period of time, and the cumulative number of inquiries exceeds six in half a year, banks and other lending institutions will think that the borrower's capital chain is abnormal in a short period of time, and he is short of money in the near future, or the borrower's own credit problems lead to repeated refusal to lend, so it may be risky to continue lending to the borrower and refuse to lend.
2. Check the expired records
General lending institutions have the requirement of "three consecutive months and six consecutive years" for borrowers' overdue behavior, and the cumulative number of overdue behaviors in the past two years cannot exceed six. If the loan has been settled, it is necessary to issue a settlement certificate, so it is best to inquire in advance and make preparations, because it takes time to issue a settlement certificate. The requirements of different lending institutions may be slightly different, and the specific requirements of lending institutions shall prevail when applying for loans.
Step 3 look at the debt situation
General lending institutions stipulate that the borrower's debt ratio cannot exceed 50%, so the borrower should be clear about his debt before lending. If the debt ratio is too high, the lending institution will think that you don't have enough repayment ability and will reject your loan application to avoid credit risk. Therefore, before handling the loan, the borrower should have an accurate understanding of his own economic situation, such as his repayment ability, debt situation, how much money he can use every month and so on. And don't let the loan affect his normal expenses.
What is the content of credit information when handling mortgage?
1. Basic information, including personal name, ID card, name, date of application, date of issuance, marital status, etc.
2. Credit records, mainly loan records applied by individuals to bank financial institutions, including credit cards, mortgages, commercial loans, student loans and a series of loan records. Including a series of information such as settlement and unsettled.
3. Public information, personal information, communication, water, electricity, gas, tax and other information that individuals have applied for, including court information of individuals, such as whether they are included in the list of people who have been executed for dishonesty.
4. Objection record, which refers to the objection record put forward by the inquirer to the banking institution when he has any objection to the personal credit information.
Credit check 10 times, but all debts have been paid off. Does it affect the mortgage?
Have an impact. Credit inquiry can't be more than 5 times a month, otherwise it may affect the approval of loans such as mortgages. A good credit record is a prerequisite for applying for a loan. Different banks and different loan types have different credit requirements. Generally speaking, car payment will require more than three credit ratings, while credit loans will require more than two credit ratings. It is difficult for borrowers with serious overdue credit information to get loans. Appearing in the blacklist of credit information shows that your credit is bankrupt and the bank is afraid to lend you money.
What is a "hard query"
Hard inquiry includes: credit card approval, loan approval and guarantee qualification examination. Too many records of this kind of inquiry will have a bad influence.
What behaviors will lead to poor credit report:
"Three consecutive years and six consecutive years" means that the lender is overdue for three consecutive months or six times in two years. Congratulations on reaching this standard. You have been listed on the list of bad credit information by the bank. This list will follow you for 3-7 years, during which your loan application will be affected. The bank may raise the loan interest rate, reduce the loan amount, or even reject your loan application directly.
"Three consecutive years, six consecutive years" is mainly for personal loans, generally excluding XYK period. Among them, "Lian San" is worse than "Liu Lei" and belongs to malignant arrears. Banks put such people on the dangerous list, and basically there is little chance of success in applying for a loan again.
Can a faithless person still borrow money to buy a house after paying off his debts?
After the dishonest person pays off the debt, if the credit information has not returned to normal, then he can't borrow money to buy a house. Users' credit information has returned to normal, and they can apply for a mortgage if they meet the conditions for applying for a mortgage. In fact, it will take more than five years to delete overdue records after the untrustworthy pays off the debts. As long as the debt is paid off, the user's name will be deleted from the list of untrustworthy executors.
List system of untrustworthy executors
According to the judicial interpretation of the Civil Procedure Law and the Supreme People's Court's "Provisions on Publishing the Information of the List of Executed Persons with Dishonesty", the system of publishing the list of executed persons with dishonesty includes the following contents:
First, if the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may, in addition to punishing the person subjected to execution, include him in the list of the person subjected to execution for breach of trust according to the situation, and inform his unit, credit reporting agency and other relevant institutions of the information that the person subjected to execution fails to perform or does not fully perform his obligations.
2. The situations that should be included in the list of people who have lost their trust include: (1) people who have the ability to perform and refuse to perform the obligations specified in the effective legal documents; (2) Obstructing or resisting execution by forging evidence, violence or threats; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.
3. Cases that cannot be included in the list of people who have lost their trust include: (1) providing sufficient and effective guarantee; (two) the property that has been sealed up, detained or frozen is sufficient to pay off the debts determined by the effective legal documents; (3) The person subjected to execution should not be enforced according to law after the execution of the sequence; (four) other circumstances that do not belong to the ability to perform and refuse to perform the obligations specified in the effective legal documents; (5) The person subjected to execution is a minor.
The time limit for being included in the list of people who have lost their trust is 2 years. If the person subjected to execution obstructs or resists execution by violence or threat, or has repeatedly broken his promise, it may be extended by 1 year to 3 years. The people's court may decide to delete the information of dishonesty in advance if the person subjected to execution actively performs the obligations specified in the effective legal documents or actively corrects the act of dishonesty.
Citizens, legal persons or other organizations that are included in the list of people who have lost their trust and require correction may apply to the enforcement court for correction. The enforcement court shall conduct a review within 15 days from the date of receiving the application for correction. If the reason is valid, it shall make corrections within 3 working days; If the reason is not established, it is decided to reject it. If a citizen, legal person or other organization refuses to accept the decision, it may apply to the people's court at the next higher level for reconsideration within 10 days from the date when the decision is served. The people's court at the next higher level shall make a decision within 05 days from the date of receiving the application for reconsideration. During the period of reconsideration, the execution of the original decision shall not be stopped.
The credit report shows that there are 40 online loan records, which are not overdue and have been settled. Can I apply for a mortgage?
You can apply for a mortgage. Generally, personal credit will be affected only when the online loan is not finished. If you have paid it all off, it makes no difference.
If there are online loan records in the personal credit report, but these online loans have all been settled, it will generally not affect your ability to apply for a mortgage.
However, some banks may refuse to apply for loans on the grounds of recent online loans, but these are only a small part after all. In this case, you can try other banks, and most banks have no problem.
In real life, it is still not recommended that you handle multiple loans at the same time. Generally, if you have a credit card or other loans other than online loans, it will definitely affect your own mortgage approval. For example, if you still have a car loan or the mortgage of other houses has not been settled, it will affect your application for mortgage to some extent.
Suppose you need to apply for a house loan, it is best to apply at the beginning of the year, because many banks have limited loan quotas and it is less difficult to apply at the beginning of the year.
Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform.
It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.