If there is a problem with personal credit, you can apply for a mortgage, and the bank decides whether to lend. There is no problem with the occasional overdue record of personal credit information. In the case of overdue repayment, the bank will approve the loan, and users can consult the bank before applying for a mortgage.
Generally, when the personal credit report is overdue for three times in a row and accumulated for six times in the last two years, the bank will refuse the user to apply for a mortgage, even if the application is not passed. Before applying for a mortgage, users can inquire about personal credit information and confirm the specific situation of bad personal credit information.
Pay down payment, sign house purchase contract, submit personal effective running water, work certificate, credit report, etc. Are the basic conditions for handling mortgages. After submitting these materials, the bank will review them and get the loan after passing them.
There are two ways to apply for a mortgage: average capital and equal principal and interest. At present, the repayment requirement of the average capital to the borrower is higher than the repayment method of equal principal and interest.
2. How long will it take for loans overdue to receive the credit report?
More than three days. No matter what the loan business is, there will be a period of time after it is overdue. As long as the user repays within the grace period, it will not have any impact on personal credit information. At present, the tolerance of several banks for mortgage business is three days, which means that mortgage applicants need to pay off the arrears of the month within three days after the repayment date expires, otherwise personal credit information will be affected. Extended data:
Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender. Overdue loans are also called "overdue loans" or "overdue loans". Refers to the unpaid part of the loan within the repayment period stipulated in the contract. From the date of overdue, transfer to the overdue loan account, and indicate the words "overdue loan" in the header of the loan account. In order to urge the loan unit to return the overdue loan as soon as possible, 20% interest will be charged on the overdue part. According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be returned with the retained basic depreciation fund, enterprise fund or retained profit, and shall not be squeezed into the cost, occupy taxes or collect profits.
Third, the loan to buy a house depends on what behavior of personal credit information affects the loan.
We all know that applying for a house requires a lot of materials. The most annoying thing is that we spent a lot of energy and prepared a lot of materials, but in the end we failed to approve them. In fact, no matter what you do, you must make relevant preparations first, just like buying a house with a loan. If we know the reasons that affect the rejection of the loan before the loan, it will help us save a lot of trouble and improve the efficiency of loan application.
Many friends in the loan, the bank will review the credit report, so what does the credit report include? What behaviors affect the personal credit report of loans?
I. Contents of the credit report
1, personal basic information
It contains personal identification information such as the name, age, gender, work unit and contact address of the recorded person.
2. Bank credit
This item mainly records each credit card and loan business of the lender, and specifically shows the debt history of the parties. Generally speaking, banks will analyze the repayment ability of loan applicants according to their consumption preferences, behavior patterns and repayment willingness.
3. Non-bank credit
These mainly refer to the applicant's public information such as communication, water, electricity, gas, tax payment, law enforcement, etc., to see if there are arrears and violations.
4. Objection record
If the parties have any objection to the content of the credit report, they can reflect it in this part by adding a statement, which is also reflected in the credit report.
5. Number of queries
This part mainly refers to the summary of all query records in the last 6 months.
Second, affect the content of the credit report.
1, credit card or loans overdue record.
Generally speaking, banks have regulations that if an applicant's credit card or loan is overdue for three times or six times in a row, he can't apply for a loan. Even if your overdue amount is not large and the number of times is not many, it is possible to reduce your loan amount, especially during the tightening of credit policy, the bank's credit review of lenders has become more stringent, so whether you buy a house or not, you should develop the habit of repaying in full and on time.
2. There are too many credit cards.
If the buyer has multiple credit cards, the bank will suspect that he has a card maintenance card. At the same time, multi-card means that the risk of excessive debt ratio increases. The debt ratio mentioned here refers to the ratio of total household liabilities to total assets. The calculation formula is: debt ratio = total liabilities/total assets.
3. There are arrears and taxes in the public information.
Some cities will also record the overdue payment of public utility fees in their credit reports. If the applicant owes water, electricity, gas, mobile phone communication fees, etc., and it is recorded in the credit report, the serious situation may be rejected by the bank, 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 is the information about credit report that Bian Xiao introduced to you. Indeed, when you apply for a loan to buy a house, the bank needs to review your credit report. If the credit report is good, the loan will be approved more easily. In addition, it should be noted that if the parties make more inquiries (more than 6 times) within half a year, and there is no record of loan lending or credit card issuance, the bank will think that their qualifications are poor, which will affect the mortgage issuance.
(The above answers were published on 20 17-09-25. Please refer to the actual situation for the current purchase policy. )
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