The credit inquiry too many times can be first to raise a period of credit, and then loan to buy a house, the loan or credit card in their name to pay off, in the process of applying for a bank home loan, must avoid the dangerous period, which is very unfavorable to the individual lending.
Personal credit report recently inquired too many times, is often referred to as "credit spent", when applying for a loan is likely to be rejected by the bank. As for the "recent" is how long, "too many times" standard, each bank has its own regulations. In most cases, the "hard query" is more than two times in the last month, or more than three times in the last three months, and then it will be very difficult to apply for a loan.
After the credit card is spent on a loan to buy a house, you can provide your own good repayment ability, such as monthly income is several times the monthly payment, or other assets under the name, you can also provide a good qualification of the guarantor and so on.
If you're not sure about your credit situation, you can get a credit report on WeChat by finding a small program platform such as FastCardTest to check your overdue records and keep up to date with your credit situation, so that you don't have to regret it if your credit is blacked out. In fact, most of the banks do not want users to have a stain on their credit, usually after the credit card is overdue, the bank will be appropriate to give some time, but it is best not to be overdue, once the impact of the credit, the consequences are also very serious.
Whether it is credit or Internet lending big data, it is important for everyone. In today's era of big data on the Internet, protecting your credit is an important asset and wealth.