1, settle the foreign debt owed.
Credit spent in the application of mortgage, you can first settle other external debt, the debt ratio will be controlled at a more benign level, so that in the application of mortgage, you can minimize the adverse impact of credit spent.
2, do not borrow money in the short term credit spent in a short period of time in a number of lending institutions loan records, which left a lot of information in the credit above, in the application of the mortgage will let the bank feel the economic strength of the poorer, so you can apply for a mortgage before the six-month period do not go to apply for a network loan, to maintain their own credit.
3. Increase the percentage of down payment.
You can try to increase the down payment ratio under the premise of your own economic strength, so that you can reduce the dependence on the amount of mortgage, the bank does not have to put too much of the loan, naturally there will not be too much concern, and be able to increase the rate of mortgage pass.
4, find someone to guarantee.
Credit spent will make the bank feel uneasy, will think of the comprehensive qualification is relatively poor, so in this case, you can find some of the qualification of the third party to guarantee their own loan, which can reduce the bank's concern, reduce the impact of credit spent.
5, change the main lender.
If you are a husband and wife applying for a loan, you can use the one with better credit as the main lender, which can also reduce the impact of credit spent.
6, change the loan bank.
Different banks have different requirements for qualification, some banks are more strict in their review and need to meet the requirements in all aspects, but some banks may relax their requirements in some aspects in order to strive for more, so you can find these banks to go for a loan, and you can also avoid the negative impact of creditworthiness to be spent.
7, improve the level of income.
After the credit card becomes spent, the bank will worry about the pressure of debt in the future, in fact, still worry about not having enough repayment ability, so you can find a way to improve their income level, so that the bank can see their repayment ability.
8, provide more collateral.
You can provide more collateral to the bank, so that the bank's rights and interests will be fully protected, but also can reduce the adverse impact of credit spent.
9, provide more proof of financial strength.
For example, you can show the bank your deposits, financial management and some asset information, to prove that you have enough financial resources to alleviate the bank's concerns.
10, maintain a good repayment record.
The credit spent does not mean that the credit is tainted, need to maintain a good repayment record do not overdue, try to avoid leaving a bad loan record in the credit above.
It can be seen, credit spent is not unable to buy a house, you can according to their own actual situation, from the above points to apply for a home loan.
If the loan is too much, it is recommended to understand their credit data. Look for the "Zhiyi big data" to generate a big data report, which can reflect the real situation of online loans. Although there is a difference between the two, but the bank loan in order to avoid personal inability to repay the bad debt situation, will also pay attention to the big data credit situation. Bad credit affects rights in many ways.
Expanded:
Can a bank sue you for being a year late on your mortgage?
Mortgage overdue for a year will be sued by the bank, in general, when the mortgage for three consecutive months or a cumulative total of six times did not pay on time, the bank has the right to early termination of the mortgage contract to require early repayment, if not in accordance with the requirements of the bank to repay, then the bank will be prosecuted in accordance with the provisions of the law to dispose of mortgaged property.
So the consequences of a one-year mortgage overdue is more serious, be sure to repay the mortgage in a timely manner before the expiration of the repayment date, there is no grace period for mortgage repayment, one day late, you need to bear the responsibility of the overdue, it will affect the credit will also be calculated penalty interest.
If you feel the pressure to pay off your mortgage, you can apply to the bank for an extension, but you need to provide some supporting materials according to the bank's requirements, and the bank will review and approve the application for an extension of the mortgage.
In order to ensure that you do not have late behavior, or to be ready to pay on time before the expiration of the repayment date, before applying for a mortgage to consider their own financial strength.