Now our living expenses cannot be separated from loans. After all, prices and house prices are rising. It can be said that almost everyone has one or even several credit cards. After all, credit cards can alleviate the shortage of funds. Although everyone can apply for a loan, it may not be so smooth. Then the personal credit report that affects the loan is recorded by the bank.

First, banks can check their credit records for several years.

We went to the bank to apply for a loan, and the first concern of others' banks was the personal credit report. After all, this report reflects whether they have the ability to repay loans and whether they are honest people. Under normal circumstances, the bank will focus on the credit report of the applicant in the past two years, and the specific situation still depends on other circumstances of the individual loan applicant. The credit report can be kept for five years, which means that the bank can check the applicant's credit information within five years. It is certainly difficult to apply for a loan if the credit information is not good, and the bank will also ask for more supporting materials. If it is more serious, the bank will directly refuse to handle it.

Second, different banks pay attention to different credit reports.

Banks can see the credit report within five years. It is difficult to apply for a loan if there are accumulated records of deferred repayment from March to June in these five years. Of course, different banks pay different attention to the content of credit report. Some banks pay more attention to the number of overdue credit reports, while others pay more attention to the overdue amount. No matter what the bank is concerned about, it is generally not a problem to apply for a loan if it is overdue two years ago. On the contrary, if it is overdue within 2 years, it depends on the specific situation.

Third, it is very important to maintain a good credit record.

The overdue records in the credit report will be updated every five years, so everyone should keep a good credit report within five years. No matter how serious the overdue is, as long as good records are maintained within 5 years, overdue records will be eliminated. Of course, if the bank's mistakes lead to overdue, you can apply directly to the bank. Therefore, overdue records will not be kept permanently, and the People's Bank of China will update them every five years. In order not to affect the loan business application, it is very important for everyone to maintain a good credit record at ordinary times.

If you borrow money from the bank, you will definitely check your credit history. There is no bad record in five years, and there is no problem with general loans. The record of minor faults within 2 years basically does not affect the loan application.

Credit investigation of Rizhao Bank's mortgage loan for several years

5 years

Personal credit report, the inquiry will start with whether you have a credit card or loan, but banks will generally look at the situation in the past two years and make a comprehensive score with reference to the reports in the past five years.

1. The credit report is only kept for 5 years. Generally speaking, it is difficult to apply if it is overdue for three or six months in five years. When banks also review credit reports, it will be slightly different. Some pay attention to overdue times, while others pay attention to overdue amount. If your overdue mainly occurred 2 years ago, the problem will not be great. But if it happens within two years, it depends on the specific situation. If it is not very good, the approval is still difficult. Even if it is approved, the interest rate may be high and the quota may be low.

There are many conditions for buying a house by loan, among which personal credit record is very important. So always pay attention to your credit information. Usually, when buyers apply for mortgage loans, banks will check their personal credit records. It is understood that due to repeated negative information in personal credit records, it is impossible to pass the credit review.

3. Buying a house by loan refers to the loan business in which the buyer uses the building in the house transaction as collateral to apply for a loan from the bank to pay the house purchase price, and then the buyer repays the principal and interest to the bank in installments, also known as the house mortgage loan.

Mortgage generally depends on the credit information in the last two years or in the last five years.

Under normal circumstances, you will first look at the credit records of the past two years and evaluate your recent credit liabilities. Then, after getting the evaluation results in the last two years, the bank will make a comprehensive score again according to your credit report in the last five years, and then decide whether you can borrow money. The main reasons that affect credit reporting are as follows:

(1) expired credit card has not been returned. Credit card overdue for many times or excessive debt will affect credit information.

(2) Bank loans overdue. If the repayment is not made on time as agreed in the contract, the reduction of bank credit will affect the house loan.

(3) Too much personal debt. If the debt of bank loans is higher than 70% of personal income, it will affect personal credit information and bank loan approval.

Mortgage credit investigation is a professional and independent third-party organization, which establishes credit files for individuals or enterprises. Credit investigation is an activity of collecting and objectively recording its credit information according to law and providing credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. When buying a house with a loan, the bank will check the borrower's credit history and liabilities.

What are the requirements of mortgage for credit reporting?

The basic credit requirements of banks for mortgage loans are: good personal credit and no bad records. If the loan and credit card are overdue recently, although the mortgage application may not be rejected, the pass rate and loan interest rate will have an impact.

Take tectonic behavior as an example:

1. The applicant's loan is overdue for three consecutive times, or accumulated for six times, so he cannot apply for a mortgage;

2. The applicant's loan or credit card is overdue for more than 90 days and cannot apply for a mortgage;

3. If the credit report shows that there are overdue loans or credit cards, you can't apply for a mortgage.

Is the mortgage only based on the credit information of the main lender?

Of course not. Mortgage will also depend on the credit information of subprime lenders, which will also have a certain impact. Although the sub-lenders have different responsibilities, as guarantors, they also have joint and several liabilities. If the primary lender fails to repay the loan, it will also affect the credit information of the secondary lender.

Before buying a house, you will check the credit information of both parties. If one party has a bad credit record, strict risk control is likely to refuse the loan, so be careful.

Generally speaking, the subprime lender is the immediate family (husband and wife, children, parents) of the main lender, and must also be one of the owners of the property mortgaged by the housing loan. For couples, even if there is only one party's name on the real estate license, the other party can be the lender of the housing loan.

1. Banks mainly check the credit information of primary lenders and secondary lenders, so the credit information of secondary lenders is also very important.

2. If you buy a house with a loan after marriage, you need both parties to provide information such as income flow, provident fund and credit information. , so the loan amount will be higher.

In short, before you apply for a mortgage, the credit information of the subprime lender is good and the success rate is higher. Otherwise, it is likely to be rejected. You can find several banks to know more about the situation before making a decision.

Do you look at credit information for real estate mortgage loans?

Housing mortgage depends on personal credit information. If you apply for a mortgage loan through a bank, you should check the credit records of both husband and wife of the borrower. If the credit history is blacklisted, you can't mortgage the loan, and the husband and wife influence each other.

I. The real estate mortgage loan process is as follows:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower repays the loan principal and interest according to the loan contract.

Two, when applying for a housing loan, you need some relevant documents to prove that it mainly includes the following parts:

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is necessary.

Extended data

Housing mortgage loan requirements:

I. Housing requirements

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

Two. Requirements of the lender

China citizens with permanent residence in China, permanent residence in local towns (or valid certificates), full capacity for civil conduct and meeting the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.