Will Microloan affect my mortgage loan?

It will have an impact, but not very much. If you already have a consumer loan and have not repaid it, when you want to apply for a mortgage loan, the institution will comprehensively evaluate your repayment ability. The approved amount may not be very high, and the repayment period may be a bit long. This is not very certain. The application standards for mortgage loans in different regions are different. You can go to the specific real estate agency for consultation, but it will not be affected if you have paid it off, because you mortgage your house to the bank for the mortgage. As long as the bank's credit report is good, it will not be affected. Can.

Extended information:

Creditability refers to the degree of compliance and trustworthiness of transactions as reflected in social reputation, economic conditions, performance of commodity transactions, etc. The purpose of the credit evaluation between the buyer and the seller is to gain an in-depth understanding of the seller by examining the seller's social behavior, economic strength, and compliance with the contract, so as to provide a basis for determining whether to establish a customer relationship and make a decision.

A person’s social credit is directly related to the integrity of the transactions in which he or she engages. Will Weilidai affect housing loans

Weilidai is a small credit consumer loan issued by Tencent Weizhong Bank to WeChat and QQ users. To open Weilidai and check the limit, you need to check your credit. Usage records will also be on your credit report, so they will also have an impact on your mortgage loan.

Mortgage loans pay more attention to personal credit. If you apply for a micro loan before applying for a mortgage loan, use the limit, and are in the process of repayment, the mortgage limit may be reduced.

Therefore, before applying for a mortgage loan, you can pay off the Weili loan balance first, and then apply for a mortgage loan after a period of time. Will microcredit credit checking have a negative impact on mortgage applications?

As long as you are not overdue when using Weilidai, it will not happen.

If personal credit record affects the mortgage application, there are only two possibilities:

1. Credit card debt or overdue loan;

2. You applied for multiple loans or credit cards at the same time during a specific period of time, resulting in multiple institutions leaving records of credit inquiries, and your ability to repay the loan was questioned by the lending bank.

If when applying for a mortgage, the handling staff has questions about the credit record related to Weilidai, you can call Weilidai customer service. If necessary, WeBank can also issue corresponding written certificates to resolve your doubts.

Extended information

Personal credit information includes the following categories:

1. Basic personal information. Including personal identity information (name, gender, certificate type and number, mailing address, contact information, marital status, etc.), residence information (residential address and postal code, etc.), and occupational information (unit name, address, postal code, position, income, etc.).

2. Credit transaction information. Including credit card details (card type, card issuer, currency, credit limit, overdraft/repayment status, etc.), loan details (loan type, lending institution, guarantee method, currency, loan amount, loan balance, repayment status) etc.)

Individual housing provident fund information (account number, unit, payment ratio and payment status, etc.), personal pension insurance information (location of handling agency, retirement category, pension payment status, etc.), Personal telecommunications payment information (name of reporting institution, business situation, payment/arrears, etc.), query records.

Factors affecting credit record:

Loan information (including loan-issuing bank, loan amount, loan term, repayment method, actual repayment record, guarantee information, etc.)

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Credit card information (including card issuing bank, credit limit, repayment record, etc.)

Credit information outside the credit field

Personal payment of water bills, electricity bills, gas bills, etc. Information about utility bills

Information about personal taxes owed

Court judgment information

Scope affected by credit records:

Loans Buying a house (depending on whether your credit record is good or bad, you can enjoy mortgage discounts)

Bank loan (the bank decides whether it is willing to borrow money, how much money to borrow and the length of the loan period)

Apply for a credit card (expired) Credit card applications will be rejected when repaying or defaulting on utility bills)

Personal car loan (good personal credit)

Enjoy government benefits

Look for a job

Rent a house

Buy insurance

Reference materials

Baidu Encyclopedia - Personal Credit Reference