If you want to handle something now, you need to check the credit information of the handler. Credit investigation is closely related to our life. If the personal credit is not good, many things are not convenient to handle. For example, if you buy a house with a loan, you must check it. Will you check your personal credit when you get a visa? What credit problems will affect housing loans? Come and have a look.
If you want to handle something now, you need to check the credit information of the handler. Credit investigation is closely related to our life. If the personal credit is not good, many things are not convenient to handle. For example, if you buy a house with a loan, you must check it. Will you check your personal credit when you get a visa? What credit problems will affect housing loans? Next, let's take a look.
Do you check your personal credit when you apply for a visa?
If it is a visa-free country (Russia, Malaysia, etc. ), it is no problem to apply for a visa. If it is (the United States, Britain, etc. ), personal credit records will be inquired when applying for a visa, and personal credit information will be collected and processed by a legally established personal credit information agency, and personal credit information inquiry and evaluation services will be provided according to users' requirements.
What credit problems will affect housing loans?
1, if you repay for three consecutive months or six times in two years, if you meet this standard, you will be included in the bank's bad credit list, which will follow you for five years. During this period, your loan application will be affected, and the bank may raise the loan interest rate, reduce the loan amount or even directly reject your loan application.
2. There are too many inquiries about the number of credit reports. If the frequency of "hard inquiry" on the credit report is too high, and the user has no record of successful loan or credit card issuance, it means that the person's property status is not good. 90% banks and financial institutions will refuse loans. The so-called "hard inquiry" here is: credit card approval, loan approval and guarantee qualification examination. Too many records of such inquiries will have adverse effects.
3, high debt, such as credit card overdraft, debt repayment has exceeded its income repayment ability, other banks will definitely refuse to lend when they see this high debt.
4. There are arrears and taxes in the public information, and some cities will also record the payment records of public utilities in the credit report. If the applicant owes water, electricity, gas, mobile phone communication fees, etc., it may be rejected by the bank seriously, or the buyer needs to increase the down payment ratio, or the bank raises the loan interest rate and reduces the loan amount.
The above article is about whether the visa will check the personal credit problem and affect the housing loan. As can be seen from the above article, if it is a small country in general, there is no need to check personal credit. If you want to borrow money to buy a house and find that there is a credit problem, it may not be so easy to borrow money.
Second, will the visa for going abroad check personal credit information?
1. The result of personal credit report will not affect the exit visa, because there is no requirement to provide personal credit report when handling the exit visa, and personal credit report will not be inquired.
2. However, if the personal credit report is overdue for a long time, it will be included in the list of untrustworthy people. At this time, it will be restricted to high consumption and restricted from leaving the country. In this case, even if you get a visa, you can't leave the country, which means nothing.
Although the personal credit report will not affect the exit visa, if the personal credit report has bad records, it will bring great trouble to all aspects of your life. For example, if you need a loan to buy a house, because you have a bad record when buying a car, it is very likely that the loan will not be processed, even when you are looking for a job, because you have a credit stain, the company is unwilling to hire. So a good personal credit record is still very important.