First, the issue of credit reporting.
You just said that the credit information is not good. What's wrong with it?
1, overdue.
Your credit report is overdue, with no more than 3 consecutive overdue times and no more than 4 cumulative overdue times within one year. Moreover, the overdue time is not caused by the supervisor's consciousness, but has objective reasons, such as: you are on a business trip and can't repay in time. As long as you can prove that your situation is true, it is indeed caused by objective reasons. If you just explain the problems arising from the credit report clearly, you can get a loan.
2. Not good
The bad credit report shows that you have breached the contract too many times or have other bad records. This kind of loan cannot be made and the bank will not accept it.
Second, the problem of real estate mortgage loan.
1. Your credit information can pass the examination, and you meet the loan conditions, such as: true and legal identity, stable income, providing valid and true proof of income, etc. The purpose of the loan is true, in line with the provisions of the bank loan purpose, and the property can be used as a mortgage loan.
2. The loan conditions in your are the same, but the loan purposes are different. For example, your loan is used for investment, stock trading, fund-raising and so on. In violation of the regulations on the use of bank loans, you can't use real estate as a mortgage loan, and you can't pass the bank audit.
Having real estate as collateral is not the first condition of loan. If you want to go to the bank for a loan, you must meet the following conditions:
First, it must pass the examination of credit report.
Second, the identity is true, consistent with the public security system (banks will check online in the public security system).
Third, the income is stable, providing proof of income, such as: bank running water, Alipay records, etc.
Four, the property rights of the mortgaged property are clear and flawless.
5. The purpose of the loan is true and conforms to the specified purpose of the loan.
In short, if you want a loan, you must first check it yourself according to the loan conditions, and then apply if you meet the conditions.
That's my answer. I hope I can help you.
First of all, we must make sure that the credit information is not good. What's wrong with it? Are you overdue? More debt applications for loans? Or a black account?
1. If the credit is overdue? It depends on whether it is overdue at present or has been overdue before. At present, if it is overdue, it will be more difficult to deal with it. Generally speaking, the bank will think that you can't repay the loan now, and I won't repay it if I lend it to you again. The risk is too high! If it has been overdue before, it depends on the overdue amount, whether the credit card is overdue or loans overdue. Generally, as long as the overdue time is not long, the bank still recognizes the proof of repayment flow.
2. I applied for a lot of loans and was heavily in debt. The average bank finds that there are many loans in your name and your debts are high. Generally, the bank will ask for a part of the loan to be settled, and then approve the loan for you.
3. Overdue black households. I'll contact you in this case, too. There's no need to try it in vain. As long as one of the husband and wife is a black account, the bank will definitely not handle it!
If I have bad credit, can I get a loan from the bank? Well, it depends. If the credit is not good, it only means that there are many inquiries, occasionally overdue, and there is no 3 or 10, so some banks can do real estate mortgage. Bad credit information is often manifested as black accounts, sometimes exceeding or even exceeding 3 times 10, or even being listed as an old loan, and real estate mortgage cannot be done in the bank. Then, let me analyze it in detail.
If it is only a large number of inquiries, such as 1 month 5-6 times, or it is overdue, it will be returned later, and it will not be overdue for three consecutive months, and it will not exceed 10 times throughout the year. As a credit loan customer, the bank will refuse, but it will be fine if it is mortgaged, and there is no current overdue. Property mortgage is generally notarized because there are heavy assets in the house. Relatively speaking, the requirements for credit information will be relaxed. However, at present, it is not allowed to submit an application, and it must be returned after the deadline to mortgage the property.
Once the current account is overdue, it means that there is a problem with repayment ability, and bank loans are rejected every second. If it is overdue for three consecutive months or exceeds 10 times in one year, it is not allowed to mortgage the house property, because the bank is afraid to lend money because of its poor repayment consciousness or ability, and it cannot be recovered at maturity. As for people who break their promises, the house is mortgaged and the bank can't get a loan.
To sum up, the credit information is not good, which is characterized by frequent inquiries and occasional overdue. There are no three consecutive days 10 in a year, and there is no current overdue. You can do real estate mortgage in the bank. Bad credit, manifested in the current overdue, or even 3 or 10 within one year, or broken promises, so you can't do real estate mortgage in the bank. Do you have any different opinions? Please leave a message in the comments section!
This situation depends on your specific real situation, because there are many kinds of bad credit reports, 1: some are black households, 2: some are bad debts, 3: some are untrustworthy, 4: some are overdue records, and 5: some are excessive micro-loans.
If your credit report is the black account or bad debt of a faithless person, it will be difficult to do so. If your credit report is particularly bad, you can apply for a loan from a small bank until the end of the month, because the loan business of some small banks is difficult to complete and there is a lot of pressure at the end of the month. Plus, you have collateral, so it's basically ok to put it mildly.
If your credit record is simply overdue, and then you want to mortgage the property, there is no problem. As long as you can prove that you have the repayment ability, the general bank will lend you money, but in this case, your mortgage loan will have a higher interest rate than others. For example, in Shanghai, the real estate mortgage of China Bank can be annualized from 3.85 to 4.35, and your situation is definitely annualized.
Credit information is not good, and specific data is needed.
Basically, it is required that commercial banks have not been overdue for 3-8 consecutive years in the past 2 years, that is, they have not been overdue for 3 consecutive months or more, and the total number of overdue times in credit information is no more than 8 times, and the number of individual banks is relaxed. If it is currently out of date, you need to return it before you can import it. It is generally impossible to have a five-level classification.
Individual city commercial banks have very low requirements for credit reporting, and they can handle it below the above standards, mainly depending on the value of collateral. It can be handled in the form of a guarantee company.
Can I get a mortgage with bad personal credit? Yes, but whether you can get a loan in the end depends on the lender's repayment ability, debt situation, repayment willingness and other conditions, which means that even if the credit is not good, you may get a house mortgage loan. In addition, under the same conditions, the audit results of different banks may be different, and the audit standards of big banks are often stricter.
It is recommended that customers with poor credit information submit as many other materials as possible when applying, such as financial certificates, academic certificates, professional qualification certificates, etc. , so as to improve their comprehensive credit score.
There are many kinds of bad credit information, depending on your "degree"
Are you overdue in the last two years or in the first two years? Are you inquiring too much or overdue? This depends on your credit information and matching the bank that suits you according to your credit information.
Let's talk about the banks in Zhengzhou that are not doing well in credit reporting:
1, rural credit cooperatives
1, regardless of the number of inquiries, accumulated 1 1 times in two years, and overdue settlement can be made at present.
2. The lawsuit can be closed.
3, do not have a business license.
4. Interest: 4.89% to 5.34%.
5. Pay the principal once every three years, as much as you borrow.
6, one-stop service, mortgage notarization in the bank.
2. bank of luoyang offline
1, regardless of the number of inquiries, there is no specific requirement for overdue. You can enter 3 or 4, as long as you can explain the past.
2. The mortgagor's age is not required, and the borrower's age is no more than 60.
3, the house does not check the entity, Alipay WeChat can do running water.
4. Credit is granted for ten years, and the principal is repaid once every three years or once every/kloc-0.
5. Interest before principal is 5.43 ~ 5.93%
I am a local loan specialist in Zhengzhou. I interpret the latest financial product policy and like to pay attention to it.
If there are overdue problems in the credit investigation, you will indeed encounter many problems in the loan, such as your loan interest rate will go up, you need to buy loan insurance, or the mortgage value evaluation can't calculate the loan amount according to the upper limit, and in serious cases, you may be refused the loan. So cherish your baby!
It depends. It's ok to move one more, and it's not blacklisted.
The rigor of credit records varies from bank to bank, so you should consult the bank about your actual situation.