Personal credit report is one of the reference factors for bank loan approval, because credit report reflects personal credit consciousness. Generally speaking, when approving mortgage loans, banks will refer to the situation that more than one party has been overdue for three consecutive times in the past two years, or the accumulated overdue repayment has not been obtained.
It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and it is overdue once in a row; Overdue happened again, six times;
Credit record is an evaluation index. In the process of having bad records, many property buyers will encounter bad credit records, which are hidden in every corner of our daily life. Lenders will accidentally step into the "minefield" of personal credit information, thus creating obstacles for future loan processing.
1. What is personal credit reporting?
Personal credit investigation is a personal credit report, an objective record of personal credit history, and information such as compliance with laws and regulations, including bad information about your failure to repay the loan according to the contract and information you pressed.
At present, personal credit records are mainly recorded in the form of witness reports, and records about your past credit behavior will be reflected in this "credit report";
If you buy a house with a mortgage loan, the bank will make a personal credit check before lending. If there are stains, such as overdue and malicious default, the bank will refuse to handle the mortgage business for you.
Second, how to query personal credit information?
I hold my ID card to the local people's bank for on-site inquiry, off-site inquiry and networking all over the country. Free twice a year ago, and the third charge;
There is a green inquiry channel for personal credit information within the bank. As long as you bring the credit manager of your identity loan,
Self-service inquiry: The People's Bank of China has set up self-service inquiry machines for personal credit reports in many places. You can use your ID card to inquire and print personal credit records at the credit self-service inquiry outlets.
3. What factors will affect your personal credit?
Card swiping for 3 consecutive times, cumulative
The monthly payment is overdue for 2-3 months or unpaid;
The monthly payment of car loan is overdue for 2-3 months or not paid back;
If the loan interest rate is raised, the monthly payment will still be paid according to the original amount.
Student loans are not repaid in arrears;
Loans to third parties;
Personal credit cards have records of cash-out behavior, debts and other economic judgments;
Credit generated by others fraudulently using identity cards or copies of identity cards, such as motor vehicles without motor vehicle licenses);
Individuals do not perform illegal construction punishment decisions and other acts;
Water and electricity charges, if you don't take the bus and stop, will also affect you.
Second, how many years do you think of the credit information of the house loan?
General banks will focus on the credit status in the past two years and make a comprehensive score with reference to the reports in the past five years.
Credit reports are only kept for 5 years. Generally speaking, there is no serious overdue phenomenon within five years. For example, domestic banks will refuse loans even if they are tired after three days.
Personal credit investigation is a personal credit report and an objective record of personal credit history. It records personal debt repayment, contract performance, law-abiding and other information, including bad information that you don't repay according to the contract, and positive information that you repay on time.
At present, personal credit records are mainly recorded in the credit information system of the People's Bank of China, and provided to me in the form of credit reports. Records about your past credit behavior will be reflected in this "credit report".
If you buy a house with a mortgage loan, the bank will make a personal credit check before lending. If you find that your personal credit is tainted, such as overdue or malicious default, the bank will refuse to handle the mortgage business for you.
Third, why do you want to buy a house with a loan?
A credit report can reflect a person's credit. We need to provide credit reports when lending to banks or individuals. After all, it takes too much risk to lend money to people with poor credit. So why do you want to make a credit report when selling a house? What is the function of the credit report? You got it? Now let's have a look.
First, why do you want to make a credit report when selling a house?
Under normal circumstances, there is no need to make a credit report when selling a house, but if the house has been mortgaged and the house payment needs to be paid in the form of guarantee, the seller needs to provide a credit report. Through the credit report, we can see whether the owner's credit is good or not, and evaluate the risks that need to be borne when paying.
Second, what is the function of the credit report?
1. How about your personal credit record?
Major banks will have relevant regulations on loans. For example, in the credit report submitted by the borrower, if there are three consecutive credit cards overdue or six accumulated credit cards overdue, the bank will refuse to lend in order to avoid the risks brought by borrowing.
2. Is the debt ratio too high?
If the credit report shows that the debt ratio is too high, it will also have an impact on the loan. Generally speaking, with liabilities but not too high, banks bear the least risk, so they will lend; However, if the total debt of the lender exceeds 50% of its income, then the bank will usually not lend. After all, whether the lender can repay the loan later will become a big problem.
3. Whether the spouse's credit record is good.
If the individual applying for a loan is married, then when applying for a bank loan, the spouse's credit report is needed, which is also one of the important conditions to decide whether the bank will mortgage. If the spouse's credit report shows that the personal credit is bad, it may also lead to the failure to handle the loan.
Why do you want to make a credit report about selling a house? What is the function of the credit report? Let's introduce here first. Are you clear? Under normal circumstances, the seller does not need to make a credit report, but if the house has a mortgage, the owner needs to make a credit report.
Fourth, how important is personal credit reporting when buying a house with a loan?
1. Personal credit report is one of the reference factors for bank loan approval, because the credit report reflects personal credit awareness. Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans of individuals in the past two years. Under normal circumstances, one spouse will not be able to get a loan if he fails to repay the loan for three consecutive times or six times in two years;
2. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a fund is one month and it has not been repaid for three consecutive months; And accumulated six times, if overdue once, also; Overdue happened again, six times;
3. Credit record is an important reference index for financial institutions to lend at present, and bad records will seriously affect loans. In the process of buying a house, many property buyers have encountered such problems. Many "bad credit records" are hidden in every corner of our daily life, and lenders will accidentally step into the "minefield" of personal credit information, thus creating obstacles for future loan processing and even failing to obtain loans.
1. What is personal credit reporting?
4. Personal credit investigation is a personal credit report and an objective record of personal credit history. It records personal loan repayment, contract performance, law-abiding and other information, including bad information that you don't repay according to the contract, and positive information that you repay the money on time;
5. At present, personal credit records are mainly recorded in the credit information system of the People's Bank of China, and are provided to me for inquiry in the form of credit reports. Records about your past credit behavior will be reflected in this "credit report";
6. If you buy a house as a mortgage loan, the bank will make a personal credit check before lending. If you find that your personal credit is tainted, such as overdue or malicious default, the bank will refuse to handle the mortgage business for you.
Second, how to query personal credit information?
7. I hold my ID card to the local people's bank for on-site inquiry, remote inquiry and networking throughout the country. Free twice a year ago, and charged for the third time;
8. There is a green inquiry channel for personal credit information within the bank. As long as you bring your ID card and find the credit manager who helps you with your mortgage, you can help you inquire;
9. Self-service inquiry: The People's Bank of China has set up self-service inquiry machines for personal credit reports in many places. You can use your ID card to inquire and print personal credit information records at the credit information self-service inquiry outlets.
3. What factors will affect your personal credit?
10. The credit card has been overdue for 3 consecutive times, totaling 6 times;
1 1. The monthly payment is overdue for 2-3 months or not returned;
12. Monthly car loan payment is overdue for 2-3 months or not paid back;
13. The loan interest rate is raised, and the monthly payment is still paid according to the original amount, resulting in overdue interest;
14. student loan default;
15. Providing guarantee for a third party, and the third party fails to repay the loan on time;
16. Personal credit cards have records of cash-out behavior, debts and other economic judgments;
17. Credit card default and traffic dishonesty caused by others fraudulently using ID cards or copies of ID cards (such as motor vehicles without motor vehicle driving licenses);
18. illegal construction behavior, personal failure to perform the punishment decision, etc.;
19. If you don't pay the water and electricity fee on time, your credit will also be affected by the disorderly riding and parking of the shared unit car.