It went well. Tell me about myself. On February 25th, 2000, a down payment of 65438 was made, and a mortgage contract was signed in the bank on October 4th, 2 1. Why is there a time interval? Just preparing information. The total house price is 730,000 yuan, and the down payment is 6.5438+0.8 million yuan, accounting for about 25%. When I bought a house, I had about 20 credit card debts. I finally borrowed 165438+ 10 and 65438+February, borrowed them for 20 years, paid back half of them, and cashed out 30,000 yuan from Huabai. Therefore, the total credit card debt is more than 70 thousand and less than 80 thousand. I hereby warn people who are going to buy a house, don't apply for a credit card, don't apply for online loans, and don't have unpaid online loans before buying a house. Especially in the current environment where the source of down payment is strictly investigated, it may be the reason for refusing the loan.

In addition, I want to tell you that Alipay's flower buds and JD.COM. The IOUs of COM are not on the credit report. In addition, Alipay's loan bud is just a summary in the credit report. For example, you borrowed 10000 for the first time and 10000 for the second time. The credit report shows that Alipay has a debt of 20,000.

Let me talk about the preparation materials for buying a house loan first. Banks mainly look at income certificates and income flows, and the two should be checked. At that time, I typed four income certificates (one for my wife and two for me). Because I have my own business license, it is easy to do this casually, and then let the sales department fill in the income according to the running water. This is talking about running water. Because of debt, the income of both husband and wife is not particularly high, so the existing running water is not enough. So I spent 1000 to ask the sales department to find someone to make two copies of running water (the person who docked with me in the sales department said 500 copies, but I don't know if it's true or not)

The business department will submit all the information to the bank, and the Agricultural Bank of China will take the lead. 65438+ The loan contract was signed on 1 October1. On March 18, I received a return call from the bank. On May 1, I received a text message informing me that the mortgage was down. The waiting process was painful, but on the whole it was smooth.

Another point to be mentioned here is credit card debt. After paying the down payment, I consulted the director of the credit department of CCB over there. He said that credit card debt is fine, but there can be no online loan. When communicating with people at the Agricultural Bank, he also said that there was no problem with credit card arrears. My mortgage belongs to the Agricultural Bank.

Another point is that if the credit card is in debt, don't apply for installment. At that time, I applied for a card installment of Shanghai Pudong Development Bank1210,000, and the bank's return call asked about the repayment of this card. Others who didn't do staging didn't ask, and the return call only asked this question.

My house was bought in my hometown, a small county in the 18th line of Anhui. My situation is for your reference only.