1. Good credit record: there is no overdue record, which shows that you have performed well in the past lending behavior and repaid on time, which is a positive signal for the bank.
2. Credit score improvement: timely repayment and settlement will help to improve personal credit score. Credit score is an important indicator for banks to evaluate your credit risk. A higher credit score will help you get more favorable loan terms.
3. Enhanced borrowing ability: Closing the account means that you have successfully repaid the loan, which shows that you have stable repayment ability and financial management ability. This will increase your lending ability in the eyes of banks and improve your chances of getting a mortgage loan.
It should be noted that in addition to the account information in the personal credit report, the bank will also comprehensively consider other factors, such as your income, job stability, liabilities and so on. Therefore, although the account information on the personal credit report is important, it is not the only decisive factor.
To sum up, there are no overdue and most closed accounts in the personal credit report, which has a positive impact on your mortgage application. However, please note that the specific loan approval and conditions still need to be determined according to the bank's evaluation.
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